davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
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. (MD)

Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : On XX/XX/XXXX a collection for {$110.00}, owed to XXXX XXXX XXXX was added to my Transunion credit report. On XX/XX/XXXX I requested varification, from XXXX XXXX XXXX XXXX XXXX, proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a copy of a XXXX bill from XXXX XXXX XXXX dated XX/XX/XXXX in the amount of {$92.00} not the reported {$110.00}. As per the Federal Trade Commission opinion letter from XXXX XXXX XXXX XXXX, " a printout ( or copy ) of a bill or itemized document does not constitute verification ''. 

On XX/XX/XXXX, I opened a despute challenging the validity of the collection reported by TransUnion and requested the method of account verification. On XX/XX/XXXX I received a letter from TransUnion which outlined their investigation methods. TransUnion then marked the account as verified, never stating their method of verification this account. 

XXXX XXXX XXXX has failed to produce any competent evidence showing a contractual agreement bearing my signature, was made either between myself and XXXX XXXX XXXX XXXX, or myself and XXXX, therefore the collection information reported by you is false and I demand that this negative and incorrect information be removed from my credit report immediately.
Consumer complaint received 2023-03-24
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX Opened : XXXX XXXXXXXX XXXX Balance : {$93.00}.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I had disputed a transaction with bank of america about fraudulent transactions on my account i had money in my account that i was saving for my grandmothers birthday only to notice that my banking information had been compromised. When i noticed that my funds where missing i reported it to bank of america as soon as i noticed. The location that i am in only has Bank of america atm 's so i couldn't even go inside of a branch to report the problem. I filed a dispute once i finally got a hold of a representative she was very rude and hung up on me not being the slightest bit of professional. My dispute got denied and i submitted another dispute and another lady was rude as well about it not trying to do anything to help me or give me steps on what i should do next and putting the bare minimum in my dispute which may be the reason why my funds where not refunded. As soon as i noticed my funds where missing i reported it immediately like i was supposed to and they still did not help me even though i explained to them that my debit card was stolen and they still are holding me accountable for these transactions. I need help immediately.
Consumer complaint received 2022-11-06
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. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (CA)

I have a discover card credit card for years. Never delinquent with payments. Used the card last Saturday at 2 places. The next day could not use it, not accepted. Called discover transferred to identify dept. They will not tell me what this is about and want me to allow them to access my IRS tax return. Called corporate office and they were not helpful and had no explanation
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In the years XXXX to XXXX, Bank of America has been charging me for a Safety Deposit Box I have never used when I signed up for it when I was an employee in XXXX. It was free at the time till I XXXX XXXX. I got noticed that I had to pay in XXXX {$63.00} a year. I tried to close out account in XXXX XXXX branch and attempted several times to close it and no one could help me. I attempted to schedule time to meet with locksmith cause that was the procedure to open box first since I lost the key but no one ever contacted me. I have called the branch several times to resolve this and they keep giving me numbers where I can reach no one. I visited the branch and no one was able to help me. 
This has been ongoing for 6 years and I just want to close out this safety deposit box and not get charge {$63.00} every year that is taken automatically out of my account. I have payed {$440.00} for 7 years and have never used this service. Could you please help me get this resolved. I just need to be paid back what they owe me for all these year and close out account. Also I never authorized for this to be taken out automatically from my account. Thank You.
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
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 XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Card Acquisitions Group (FL)

Foster and monroe left the voice-mail below. I did not know who it was, called back and started speaking about my tax return This very important messages regarding a situation in our office pending regarding the tax return individual by the name of XXXX XXXX XXXX (? ) now. It's imperative that we speak to that individual their attorney or the power of attorney right away regarding the matter at hand pending in our office that may affect their 2020 tax return. Our office line here is XXXX XXXX thank you for your time and have a good key XXXX XXXX ... XXXX XXXX ....
Consumer complaint received 2020-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-02-12
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. (NY)

The initially disputed XXXX charged-off account with a current {$0.00} balance had a balance of {$7400.00} and was reduced to {$0.00} and claimed to have been paid in full after charge-off for a reduced payment after the account was disputed with XXXX and Transunion. This charge-off being reported by XXXX was transferred and paid in full under my XXXX XXXX account by another banking institution. The actual loan which is listed under the XXXX XXXX account clearly shows this in my TRANSUNION credit report. I have never paid so much as a XXXX on this charged-off XXXX duplicate account. Transunion does not show the amount of this alleged recent payment nor do they report the date this alleged payment was made in my payment history. I have reviewed my credit report on the phone with multiple Transunion reps pointing to this transferred and paid status to no avail. 
I havenow received investigation results from TRANSUNION under File # XXXX stating that the disputed {$0.00} charge-off listed under my name, address, and social security number was updated with as PAST DUE STATUS and verified as accurate. An alleged {$0.00} balance is now reporting as past due. I have issued a Method of Verification to Transunion for this reporting and have yet to receive a response which they are required to submit within 15 days under the FCRA. 
Transunion refuses to do an independent investigation where even a simple phone call to XXXX would confirm that I have never opened a note loan under the duplicated account listed as XXXX. Instead, Transunion continues to rely on unreliable electronic verifications, coupled with a failure to provide a Method of Verification to their inaccurate findings. I understand that the CFPB does not litigate disputes and is simply a means to file complaints against what a consumer views as a Federal and or State offense. This complaint is written as an attempt to correct the reporting to avoid litigation with Transunion and XXXX.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (DE)

Leased XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX of XXXX XXXX. The lease was for 42 months and included XXXX XXXX XXXX of {$3300.00}. The first maintenance would have been after XXXX miles. On XX/XX/XXXX the vehicle was totaled and only had approximately XXXX miles to that date { driving was limited due to XXXX -- lease allowed XXXX miles per year XXXX. The dealership provided disjointed and no follow up to my request for a refund. I first wrote to the finance person as well as my sales person on XX/XX/XXXX asking for a refund. I then sent numerous email to the XXXX, sales XXXX etc. finally I got hold of the finance person and took over the communication with their parent company, XXXX XXXX. They finally got the info they needed to proceed and then they received a response i early XXXX, XXXX stating XXXX had ruled that they would not refund the money and would be keeping it because they decided on XXXX XXXX that they would no longer refund any pre paid maintenance funds. The response was sent to the dealership and I had to call XXXX XXXX to find out that they would not refund the money. I lodged a complaint with XXXX and they still declined to make a refund. I do understand there is a discount for purchasing pre paid maintenance and do get that refunds part way thru XXXX be problematic BUT I had an accident, NO service had been done, they are keeping {$3300.00} and profiting from my accident and doing NO service
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (PA)

XXXX PayPal Credit : I made a payment last month for {$110.00} when I did this, giving them XXXX cents extra, they raised my minimum monthly payment due {$110.00}, instead of {$110.00}! They do this every time I give them a little extra ; this has happened before! I gave them extra because of my XXXX and I didn't want to be late with my payment. 

And, the other problem I'm having is that when I purchase something and it rises to the {$100.00} value mark or more, I have until XXXX to pay it off. I'll make my minimum monthly payment due approaching the XXXX mark. And, I'll make my payment and they'll tell me I'll only have to pay the minimum monthly payment whether it's higher or lower, and the bill will be satisfied. And now for some apparent reason they have stop that, and are charging me more! 
And, XXXX time I paid them early near the first of the month trying to show my appreciation because my bill isn't due until the XXXX of each month ; and they took the money out early and caused my account to go into a XXXX state and myself and the bank were very upset! 
And another time, I have to check behind them if I'm given a refund from XXXX or XXXX, I'll have to physically call them to make them apply the refund through the back office, or they'll charge as if there were no refund! 

I'm angry, and I think they are taking advantage of me because of my XXXX, I'm a good customer and has never been late with my bills! XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC (WA)

XXXX Phone : ( XXXX ) XXXX Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Trans world systems inc XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Time of call : XXXX local time Date : XXXX XXXX XXXX  Phone : ( XXXX ) XXXX Time : XXXX local Date : XXXX Company : Trans world system INC. 
Phone : ( XXXX ) XXXX Time : XXXX local Date : XXXX Phone : ( XXXX ) XXXX Time : XXXX Local Date : XXXX The same debt collection agencies have attempted to contact me with the following numbers on these days. When asked for information about the company the agents refused to answer about where the company was located, company phone number, employee ID, refused to transfer to a manager, and refused to stop calling me then proceeded to call me before XXXX before i went into work.
Consumer complaint received 2023-02-25
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-02-12
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: GOLDMAN SACHS BANK USA (NY)

Hello, on XX/XX/2020 I placed an order with my Apple Card on XXXX XXXX. The tracking showed it was delivered. I waited a few days, checked my whole building, spoke to my security before contacting the merchant, I waited a few days, received no response. Thats when I decided to dispute the charge with Apple. They keep putting the charge back on my account because theyre saying the merchant provided evidence that it was delivered. However I did not receive my item. How can I show proof that I never got my stuff? Apple said they cant help me until I submit a complaint with you guys. Please help me, I am not willing to pay that money for an item I have not received in almost 3 months.
Consumer complaint received 2021-02-24
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. (PA)

I noticed fraudulent account on my credit report that are reporting inaccurately. I called these companies to dispute but they never did anything. I even sent letters to them 3 weeks ago still no reply. Multiple debt collectors have contacted me which is violation of usc 15 I want proof that I signed for these accounts and i want proof that I owe any debt.