davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
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. (TX)

I have requested from : XXXX, XXXX XXXX TransUnion to removed accounts preventing me from getting housing in accordance of the fair credit reporting act. they did not respond accurately. the person and consumer XXXX XXXX XXXX, makes this complaint by the following laws : fair credit reporting act, 15 U.S.C. 1681 section 602 ( 4 ) ; consumers right to privacy.

fair credit reporting act, 15 U.S.C. 1681 section 603 ( a, b, c & d ) ; the individual making this complaint is a person and consumer seeking relief from information provided by credit reporting agencies.

fair credit reporting act, 15 U.S.C. 1681 section 604 ( ( a ) ( 2 ) ) ; in accordance with the written instructions of the consumer to whom it relates.

Please remove the following accounts from my credit report provided by the 3 credit reporting agencies ; in the open and closed status, current and in collections status and any comments left by any of these companies. I am a victim of consumer exploitation and XXXX thru the unemployed pandemic and these accounts are keeping me from getting housing and other prosperous necessities in regard to financial timing. my rights are being voilated. 

XXXX XXXX XXXX acct. ending in XXXX, credit card, legitimate. 
XXXX XXXX XXXX  acct, ending in XXXX, credit card, legitimate. 
XXXX XXXX acct. ending in XXXX, consumer dispute not resolved charges are not legitimate. 
XXXX XXXX XXXX  acct. ending in XXXX, unknown account. 
XXXX XXXX ending in XXXX, consumer dispute not resolved account was current when closed. 
XXXX bankXXXX XXXX acct. ending in XXXX, unknown account. 
XXXX bankXXXX XXXX acct. ending in XXXX, unknown account. 
XXXX acct. ending in XXXX, unknown account. 
XXXX, XXXX XXXXXXXX acct. ending in XXXX, consumer dispute not resolved, payment attempted but not accepted. 
XXXX XXXX XXXX  acct. ending in XXXX, credit card, legitimate. 
XXXX acct. ending in XXXX, unknown account. 
XXXX XXXX XXXX acct. ending in XXXX, unknown account. 
XXXX XXXXXXXX XXXX  acct. ending in XXXX never did business with this bank connected to credit repair agency. 
XXXX XXXX  XXXX ending in XXXX, unknown account.
Consumer complaint received 2017-05-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BMW Financial Services NA, LLC (FL)

My problem is best described by 3 things. High-pressure sales tactics, problem with additional add-on products or services purchased with the loan, and changes in terms mid-deal. I was misled into a different and unfavorable loan by deceit and high-pressure sales, mid-transaction. I purchased a certified pre-owned XXXX from XXXX XXXX on XX/XX/17.  The dealership is located in XXXX XXXX, FL and I reside a 4 hour drive away so the deal was negotiated via phone and email prior to XXXX. I was approved for a 60 month loan with an interest rate of 1.9 %. When I went to sign the loan paperwork, the finance manager began up-selling me several different warranties. His misleading statements affected my decisions and have a material impact that will cost me an additional {$1700.00} in interest. I assume these UDAAP violations are a result of his desire to make a commission. This finance manager greatly overstated the cost of future maintenance and tires, quoting them at {$600.00} per tire and {$1900.00} for a brake job. He pressured me into the add-on warranties and policies of 1 ) maintenance for {$2400.00}. 2 ) Wheel/ tire for {$1400.00}. 3 ) Protector policy for {$590.00} and 4 ) dent wizard for {$980.00}. He up sold me for a total of {$5400.00} which he added to the loan amount. Because of this additional and unneeded expense, he suggested we modify the loan to 72 months which had a higher interest rate of 2.9 % to keep my monthly payment lower. I agreed because I wanted the more manageable payment. Once I arrived home, I began looking through my paperwork and discovered that I was never provided a copy of the maintenance policy. I contacted my salesman who emailed the policy to me. I also researched the maintenance/ service expenses and found the quotes I was given to be extremely overstated! Within 3 business days of my purchase, I contacted the finance manager to cancel these add-on warranties. He stated that they were non-refundable which I later learned was untrue. Not satisfied with my dealings with the finance officer, I contacted the Finance Director at XXXX XXXX. He was able to cancel the warranties and said a refund check will be sent which I am yet to receive. I asked him if we could apply those funds back to the loan and modify the loan back to 5 years at 1.9 %. I was told the loan was already funded and it was too late to make modifications. This finance manager, who works on commission, lied to me affecting my decisions and it will cost me {$1700.00}. I need this loan modified back to the original agreement please.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 've asked them to fix this, they say they did and the complaint was closed. Please see attached., XXXX We have reviewed your complaint along with the information you previously provided regarding this issue. You are not blocked from initiating disputes online. There are investigations pending, therefore you are not able to open additional disputes online. According to our records, you have a pending investigation which will be completed on/or before X/XX/17. They will verify the accuracy of the items and inform TransUnion of their results. When the investigation is complete, you will receive the results, along with a copy of your credit file at the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, New Jersey, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Incorrect Social Security Number on My Credit Report To Whom It May Concern, I am writing to bring to your attention an error I have discovered on my credit report. It appears that the Social Security Number associated with my file is incorrect. This issue was discovered when I reviewed my credit report, and I am concerned about the potential impact this error may have on my credit history. 

Please find enclosed a copy of my Social Security card, along with a copy of my government-issued identification, which confirm my correct Social Security Number. I respectfully request that you update my records to reflect the correct information as soon as possible. 

I would appreciate it if you could send me a confirmation once this correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

Enhanced Recovery Group has reported a collection action to all XXXX credit reporting companies on behalf of XXXX for {$770.00} as of XXXX XXXX. I know nothing about the account, services provided, I did authorize or guaranty any account with XXXX. I have never received a bill, statement or demand for payment, description of time and place of services, etc. I have been turned down for a home equity loan by XXXX which is how this came to my attention. The only other negative filing on my report is XXXX 30 day late payment on a revolving account. I have repeatedly requested that all XXXX reporting companies to remove the erroneous and fraudulent filing from my reports. The only response I have received is to note that I dispute the collection action and that it will remain on my reports until XXXX XXXX. My primary remaining remedy, other that filing a lawsuit, would be to file documentation supporting my position. What documentation might that be? In other words what documentation could I be in possession of in connection with an account that I have no knowledge of?
Consumer complaint received 2016-08-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (CA)

Between XXXX XXXX and XXXX XXXX of XXXX, I used Out of State medical services that incurred XXXX medical bills. XXXX bills were for treatment at medical facilities, XXXX were for Ambulance rides and XXXX was for treatment during transportation. At that time I was covered by XXXX XXXX. I rec 'd medical bills but knew that my insurance would kick in so I did n't pay much attention. I worked for XXXX XXXX and was furloughed from XXXX to XXXX. I forwarded all my mail to my family 's home in California. Through divorce, changing jobs and being forced to move, I did n't look into my finances for sometime. About 1 year later in XXXX I realized that only XXXX of bills were paid. I contacted XXXX and they stated that the bills were being paid so I left it at that. Another year or so passed and I decided it was time to clean up my credit report from all the bills that were still showing as owed. After research, I discovered that the bills remained unpaid. I immediately called up XXXX and was told that the statute of limitations on the claims had passed and they were no longer liable to pay. After several years of disputing these bills, in XXXX of XXXX the final bill was paid. I was left with the co-payments for ambulance services. I paid XXXX of the ambulance bills in full plus interest to the debt collector to get it off of my credit report. ( Which is still actually on my credit report but shows a zero balance. ) It was approx {$270.00} in interest. The XXXX ambulance ride is stating that I owe approx. {$1100.00} in interest. I do n't think this is fair and want to know who is liable for this and how I can get this and all XXXX bills off my credit report.
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a Citi Gold checking account in XXXX XXXX during a promotion they advertised where you could earn XXXX AAdvantage miles after opening a Citigold checking account, making {$1000.00} in debit card purchases and making one or more bill payments in two consecutive months. I met all the requirements of the offer and was told I would receive the XXXX AAdvantage miles by XXXX XXXX, XXXX. I never received any miles even after calling numerous times and being told that I would. I asked to speak with a manager and they said they can only submit a claim which could take an additional 90 days. This checking account has a {$30.00} fee each month and now I am being told I have to wait an additional 90 days to verify why I did not receive the bonus miles. I am a loyal Citi customer and have had XXXX credit cards with them since XXXX. I have an excellent credit score and I am loyal customer. I think they are false advertising promotions and not following through with their offers. Below is the code I used for the offer when I opened the checking account. 
XXXX AAdvantage code : XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2016-08-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC (OH)

I am writing to you today as I am beyond out of my mind with the harassing phone calls I am receiving numerous times per day from this alleged collection agency, Credx Debt Recovery , LLC. They have also tracked down my father who is XXXX years old, my children, all XXXX of them, my daughter-in-law and her family and now friends that I have n't seen in years! This has to stop! It is utter harassment and the woman that is making the calls is as rude as can be, yelling at me, threatening to have me arrested! 




Is there anything that can be done about this? How do I make these unbearable calls stop? I am aware of the FDCPA law and am hoping that this can be enforced against these people. Anything you can do to assist me would be greatly appreciated.
Consumer complaint received 2016-08-03
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

When I signed up for this credit card I was told and reassured several times about certain " service protection plans '' I paid for monthly would cover me in the event of any accidents or unexpected short comings. Job-loss and unemployment protection was XXXX of them, I paid my bill monthly and kept it current. Then my employer unfortunately had to closed down and I was left unemployed. Still continuing to pay with what I had to give, I was under the impression by what the company representatives previously told me, that my protection plans I was paying for since day XXXX would kick in for me. I apparently was wrong, not only did they use misleading tactics to get me to pay for a service that was more money out of my pocket but it did absolutely NOTHING that they had previously told me that it would do, or cover! This is beyond unethical and morally corrupt as a major company to be misguiding its customers for profit like they did me. At the end of the day I could not afford to keep up and instead of taking care of the issue like the " service protection plan '' promised they sent me to several debt collectors until ultimately being sued for it, having to pay several other fees in addition to the debt.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IN)

I attempted to submit a dispute online to Experian. Their file attachment software will not accept any of my files even though they are the correct file type ( PDF ) and under the file size limit of XXXX. I therefore utilized their mail-in option to correct my dispute - I have a civil judgement on my report that has been released/satisfied by the court, which I shall attach below. Experian is a scam. The company steals money through deception on their products, makes it virtually impossible to contact a live person to settle complaints, and does not respond to any requests. This company should be thoroughly investigated due to the severe impacts they have on the average citizen.
Consumer complaint received 2016-05-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a family member listed as a authorized on my account. I received a letter that Capital One to destroy the card because the authorized user was removed because of past criminal activity. They were arrested but never convicted. I called and was told the decision woul not be reversed. I am responsible for the account not the authorized user. Again arrested but not convicted. Thank You.
Consumer complaint received 2016-08-03
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

On XXXX I did a transfer to XXXX, when the recipient went to get it on the XXXX of XXXX he said that the money gram agent said the money has been picked up so I called money gram on the XXXX and the agent said the same thing, I explained to him that the recipient did n't get the money, that agent told me to ask the recipient to return back where he tried to collect the money and have them check the computer so he did, but the agent in XXXX told him to tell us ( his father and I ) to go back where the money was transferred to fix the problem. On Tuesday XXXX XXXX, 2016 I went back to the location and that agent said it was picked up when I explained the situation she called money gram and put me on the phone with them. I explained the situation to the XXXX ( the agent on the phone ) and she was asking me some irrelevant questions like do I know this person, when was the last time I saw that person face to face, what is my relationship with that person, why did I send him the money, what did he tell me he was going to use the money for. I told her that those types of questions are irrelevant, stupid and have nothing to do with my concerns all I need from money gram is to tell me who picked up the money and what kind of ID was used by the recipient for the agent to release the funds. XXXX said that she could n't see that information, all she was able to see was that it was picked up and I find that to be not true. Because what is the purpose of asking for picture ID if it will not be used and entered in the system as evidence that the recipient is the XXXX collecting the funds. She told me that money gram will open an evestigation and I will be notified in 90 days about the result. I told her that I could n't wait for that long to get an answer. Now let me say that this is the first time I am in this situation with both the recipient and money gram and I am aware that the recipient may be lying to us although he never done it before and I strongly believe that money gram is responsible to provide me proofs that the recipient picked up the money instead of interrogating me and I told XXXX that, if the money was picked up what was used then I know the recipient is lying to us or if it was not picked up how do I get my money back.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX fraudulent credit cards were opened in my name. I have filed a dispute with the credit bureaus and filed an ID Theft report with my local police department. XXXX company, XXXX XXXX closed the account. The XXXX other companies, XXXX and American Express, are refusing to close the account. They continue to harass me and are asking me to pay for a debt that I did not incur nor give permission to open. When I asked them for a copy of the application with my signature, American Express sent an affidavit to be notarized. These are stall tactics that American Express is using to continue to leave this fraudulent account open in my name. 

Both XXXX and American Express are irresponsible due to the fact that they allowed accounts with limits of over {$5000.00} to be opened in my name - without my signature! Banks require signatures for loans of {$100.00}, yet these companies may open accounts in people 's names without their permission? And when they are given a copy of the ID Theft report filed with my local police they still refuse to close the bill.
Consumer complaint received 2016-08-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (CA)

I discovered this debt on my credit report along with an address I 've never lived at in another state. I contacted the collection agency with my proper contact information and still have received nothing. I contacted the original debt owner, a hospital, and they refused to give me an itemized bill of the charges my insurance refused to pay. I only am being told that this gigantic bill is from my XXXX and I believe I 'm being overcharged and not given the opportunity to prove it. 

I 've been advised that I should have been informed by the hospital that my insurance would be applying the entirety of the visit toward my deductible and given the option to not be admitted as an inpatient for what appeared to be XXXX. The hospital has an urgent care facility on the same block, or they could have directed me to a free/reduced price clinic. At no time did the hospital inform me that I would be paying in full out-of-pocket for the expenses incurred there.
Consumer complaint received 2016-08-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I Refinanced my auto loan from 11 % to 3.99 % with XXXX after realizing that my credit was not as bad as I was told by the car dealership where I purchased the vehicle on XXXX/XXXX/2016. On XXXX/XXXX/16, I overnighted the payoff to Capital One Auto and it was received on XXXX/XXXX/2016. I am in the process of buying a home my credit score dropped almost XXXX points due to Capital One not updating the credit reporting agencies. I also have requested that they notify the Credit Bureau that the loan was paid in full so they can update my credit report to show only XXXX loan. and have requested Capital one to fix the issue and they are putting the earnest on me to do so.