davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

The apple credit card processed my payment twice resulting in decreased bank checking account balance. This happened twice in the last 12 months. This is a problem as it reduces my checking account balance making it difficult for me to meet other financial obligations and possibly resulting in unnecessary fees and penalties. I have reported it to the apple card support but nothing seems to be done about it.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
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 Balance : {$590.00}
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with
a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX ....
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this report on Identity theft to report 5 separate fraudulent accounts appearing on my consumer FICO report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit cards, online personal loans, fraudulent withdrawal from bank savings account. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. Please remove the aforementioned fraudulent items from each of my consumer credit report and that all collection activity related to said items pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX, XXXX XXXX XXXX ...., XXXX XXXX XXXX .... & XXXX XXXX XXXX
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (NJ)

I leased a vehicle with Kia America which ended in XX/XX/year>. In XX/XX/year> I received a letter from Kia informing me that I owed over {$6000.00} due to mileage overage. I contacted Kia to let them know that I did not have that kind of money and asked if I could make payments, which they agree to - - I spoke to a woman name XXXX. I started making payments in XX/XX/year>. My payments were due on the XXXX of each month. On XX/XX/XXXX I made a payment of {$450.00} and it was considered 30 days late ; in XXXX I paid another {$450.00} on the XXXX and it was reported as 60 days late. This was reported prior to my first dispute with XXXX, as well as the written off/charge off noted for XXXX. After my dispute, the results showed 30 days late in XXXX and a written off/charge off for XXXX and XXXX. On XX/XX/XXXX, I received a settlement letter from Kia offering discount on the amount owed. I called them to let them know that the entire amount would be paid off the following month, which I did honor - I paid the entire balance off on XX/XX/year>. In the three years of leasing the car, I have never paid late and that can be proven on my credit report.I have called Kia numerous times and sent Kia a letter highlighting what I wrote here but they are standing by their decision, which is somewhat baffling. On XX/XX/year> I called Kia and spoke to XXXX XXXX XXXX XXXX was confused by the write off rating as it was paid completely off. She even offered to send me a letter stating that the account was paid in full, which she did. I have also disputed this with XXXX several times. I even called XXXX in XXXX and the agent I spoke to was also baffled and offered to rewrite my dispute for me but again Kia did not budge. My report says Paid, closed {$5900.00} written off. I paid Kia the entire amount owed of {$6800.00}
Consumer complaint received 2019-08-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FORD MOTOR CREDIT CO. (MI)

In XX/XX/XXXX my XXXX XXXX was one month away from lease being complete. I was paying the car note. The Escape was impounded by XXXX for tickets. Since it was so close to time to return vehicle and I wanted to be transparent, by notifying Ford Motor Company Credit, they told me since they were title holder they could get car out of impound, they never told me they would consider this a default to my lease agreement. Once that was done they considered a default on my lease agreement and charged me for the entire amount of car. I paid over {$4000.00} then stopped paying in XXXX. This year I received a notice in XXXX XXXX that a judgement to garnish wages have been taken against me. I live in XXXX and have been for 8 years. They are demanding I pay {$8100.00} for this car loan to Ford Motor Company. They took possession of the car and I paid over {$4000.00}. They are threatening to garnish wages. This would devastate me considering I am currently a single income household.
Consumer complaint received 2024-12-06
Product: Credit 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. (MD)

On XX/XX/year>, I paid {$3600.00} to XXXX XXXX XXXX in XXXX, OK for automotive work, namely fixing misfires on the engine in my vehicle. 
By XXXX, the misfires had return. I attempted to have the vehicle repaired under warranty, but local dealerships declined to fix the issue. 
I attempted to receive a refund from the XXXX XXXX XXXX, but they declined. 
On XX/XX/year>, I filed a dispute on the charge with Citi. They asked for more information and evidence, which I provided on XXXX evidence included a second opinion from an expert, in this case XXXX 's XXXX in XXXX, MD, which looked at my vehicle stated on the receipt that I had been charged for " incomplete engine work. '' On XX/XX/year>, their dispute team decided I was liable for the charge. According to the letter they sent : " With the information we had, it wasn't enough to support your claim and resolve the dispute in your favor. '' On XX/XX/year>, I called to ask how Citi came to this conclusion, as I had provided a second opinion from an expert that clearly stated I was charged for work not completed, and the document featured the signature of a manager at the shop. They asked for a narrative of the events, which I provided via email on XX/XX/year>. 
On XX/XX/year>, Citi responded that " We have reviewed all the documents pertaining to your dispute with the merchant. Unfortunately, we have no options available to assist you in obtaining the credit you desire for your account. '' Since then, I have repeatedly called Citi to attempt to find a path forward. I have asked how they denied my dispute on reasoning that contradicts evidence they received. Citi employees have admitted a clear mistake on behalf of the investigations dispute team. They have promised to investigate further, to provide me with more information and to call me and keep me updated. None of this occurred. 
On XX/XX/year>, Citi wrote to me that " A review of the documentation you supplied shows you received the services. Your dispute is about the quality of the services. Since you received the services, the merchant must be paid. We have no grounds to assist with this type of dispute. '' XXXX XXXX XXXX 's receipt says their tech was meant to repair misfires in the engine. The misfires returned and the evidence I have provided Citi 's dispute team shows " incomplete engine work, '' which means I paid for services I did not receive. This suggests a dismissal of provided evidence, or ignorance of said evidence. 
To further complicate this issue, Citi does not allow its customers, or even its own team members, to know the contact information for its dispute investigation team. Through my numerous calls with Citi, no one has been able to find their contact information to allow me to speak with them directly.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove. such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I will be filing form 211 treasury omb forms to audit consumers account. 
EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2019-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armcon Corp (CA)

This bill was directly paid to the company, please see the attached cancelled check. This check was cash by XXXX XXXX. this has been disputed before and has not been removed from my credit report XXXX. this is severely damaging my GOOD CREDIT rating. I have attached the cancelled check. Please remove and update my report.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have the Capital One Venture XXXX credit card. One of the benefits is the ability to easily use rewards. I have tried to convert my points ( rewards ) to transfer to a partner for over 30 days, but the verification system has not allowed the transaction. The 2-step authentication process works without problems when logging into my Capital One accounts. The problem only occurs when trying to convert rewards. The only way to convert rewards is via the app or website. My credit card was recently replaced and is the only thing that has changed since the last time that I transferred points in XX/XX/XXXX. I thoroughly explained this to each and every agent and was assured that the new card has been updated in all systems. I contacted Capital One several times and was transferred to customer service, digital technical support, and online technical support. I was told a myriad of reasons why the process is not working ; overseas travel, not clearing the cache on my computer, and my phone numbers need to stabilize. The last supervisor that I talked to finally explained that the 2-step verification process was recently updated. She said that other users are experiencing problems, but there is no solution at this time. She also explained that the only option is the wait until the problem is resolved which is unknown. Points can only be converted via the self-service online system, and it can not be overridden. Now I have points that cant be used. Capital One acknowledges that there is a problem and has not bothered to implement a temporary solution. I contacted Capital One XX/XX/XXXX, XXXX, XXXX, XXXX. I didnt get the names of all the agents, but Ive talked to XXXX XXXX XXXX ID : XXXX, XXXX ID : XXXX, XXXX ID : XXXX. 

This is a time-consuming process that has involved over an hour-long phone conversation with each of the several phone calls. I have been told that they cant put notes on the file because this is related to points and not the credit card program, so I have to explain the entire process over and over again with each agent. I have been transferred to phone recordings or the call has been disconnected during the transfer.
Consumer complaint received 2020-05-08
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)

XXXX Credit Bureau reported from a debt buyer ( IC System ) that I opened an account in XXXX of XXXX. I did not. The remarks from IC System said " Affected by Natural Disaster '' I never said any of the sort to this company. This item was deleted from the XXXX report XX/XX/XXXX which I have proof of. Furthermore, the stay at home orders did not happen until XX/XX/XXXX not XXXX.
Consumer complaint received 2020-05-08
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/ 2020, a fraudulent hard inquire was made to my XXXX credit record by Synchrony Bank Syncb/Lowes, XXXX, FL XXXX, XXXX. I received an alert by a credit monitory company and called the lender, who cancelled the application. My quick action helped the lender avoid losses, but I am now the only one at a loss because the fraudulent inquire remains in my credit record. Synchrony Bank Syncb/Lowes refuses to issue an inquire deletion letter that XXXX unreasonably demands. 

In short, both the lender and XXXX refuse to remove it despite my several requests by phone and their positive knowledge that the inquire is fraudulent.
Consumer complaint received 2024-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MA)

An account was opened on XX/XX/2023 by Credit Collection Servic ( XXXX, MA ) claiming I owe {$150.00} due to past business with XXXX XXXXXXXX XXXX I have never done business with XXXX XXXXXXXX XXXX This account was associated with a Florida address that has never been mine. There is also a variation of my name with a different middle name on my credit report ( I have never gone by this different name ). Credit Collection Services has never contacted me in any form, however upon seeing this fraudulent account on my credit report, I sent a dispute letter to Credit Collection Services and I called them, during which they were not able to find the account. I have disputed this fraudulent account information with all of the credit bureaus.
Consumer complaint received 2024-02-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: DISCOVER BANK (NC)

Institution Name : Discover Bank Routing Number : XXXX Account/Product Type : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : United States XXXX XXXX : XXXX Phone Number : XXXX Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 


I invested in a {$10000.00} Certificate of Deposit XXXX with Discover Bank at 5 % interest for 12 months. On XX/XX/2024, I notified Discover that I wanted to roll over the CD and put the {$410.00} in interest towards credit card debt with Discover. They said this was possible but that I would have to be sent a security code to my phone to verify my identity. I live in XXXX XXXX most of the year and do not have a dedicated US phone in my name. They would not send the code to the email they've had on file for years. I was not a happy customer and then told them to close out the CD 30 days earlier than maturity and wire transfer the funds to the same XXXX XXXX XXXXXXXX account in my name that they had received it from. I was told again that I needed a phone security code. Discover would not send it to my XXXX XXXX phone. My sister in NC has my power of attorney, is my US address and phone number. This was refused because the phone was not in my name. I asked for and never received a copy of Discover Banks policy of needing a US phone to receive a Security Code. I then went through a 3-day resolution process of furnishing Discover copies of my current US passport , US Merchant Document, W2 and IRS 1040 Forms. Initially I was told I receive {$370.00}. interest and the wire transfer fee waived. When I finally received the wire transfer it was for {$10000.00}. When I tried to access my online account or called customer service I was told once again I needed a security code. 
How can your complaint be satisfactorily addressed? 
Discover Bank send a check to my US address on file for {$190.00} and add a disclaimer to CD customers that expatriated US citizens will not be able to use a foreign phone for security codes. 
XXXX XXXXXXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

I'm receiving Threating phone calls and emails from the company below and XXXX, XXXX, XXXX are transferring my information without my consent. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC C/O Resurgent Capital Services 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