davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting 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. (NC)

Transunion has an incorrect piece of information on my credit report that there is no way to dispute it. I keep logging in and it says it's not my login information and that I need to create a new account. When I try to do that it prompts me to login with my existing account, only to tell me the login info is wrong and I need to reset it. When I try to reset everything including the login name it says " unable to retrieve login information. '' It's just taking me in circles at this point and this is really frustrating because there is a fraudulent charge on my credit report that is negatively affecting my credit
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXXXX/XX/year>
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX unauthorised Hard enquiries on my account which are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (NV)

in connection with the collection of any debt under provision 15 U.S.C. 1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer Ally financial and auto nation finance have had third party companies call me with threats for me to pay my debt and have given my info to other companies for collection. Ally financial and XXXX XXXX retrieved the vehicle and my debt was not corrected as it was paid in full
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (OR)

XXXX XXXX received payment of {$290.00} from the federal government onXX/XX/XXXX,  from a deposit made onXX/XX/XXXX. XXXX XXXX then held the funds untilXX/XX/XXXX before releasing to customer. Banks are required to pay interest on monies received and held before release so banks are discourage from floating funds received they are unreasonably holding from customers. It is the responsibility of banks to know when funds clear, and then to release those funds or compensate customers fairly for holding funds for profit. 

I would like to be compensated fairly for XXXX XXXX negating their banking responsibilities ; responsibilities they not only have to me but have to their other customers as well, and when given class action status would be a substantial amount.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA IS charging me a XXXX dollar fee for a transaction that I didn't make and the Bank did not even attempt to pay the charge of XXXX dollars as my account didn't have the amount to Cover charge. They will not credit my account the XXXX dollars, They made no attempt to pay the charge that this XXXX dollars was put on account. I want the Bank to Stop robbing Poor people! And Credit my account
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I had XXXX XXXX XXXXXXXX. I was in the XXXX  and not working. I had trouble paying my American Express credit card. I called American Express to explain my situation. They sent me several options to pay the card off in full. If you listen to all the recorded conversations. You will hear the representatives tell me that the account will be shown on XXXX repositories as paid in full. Amex didnt report the account as paid in full. They reported the account as less then the settled amount. I would like them to correct the verbiage on all three repositories to show paid in full and not less then settled. They misrepresented themselves. The second item that Amex misrepresented is that fact that once you paid the card in full. You will have the option to obtain an Amex XXXX card subject to the terms on this email. I paid the card per our arraignment on XX/XX/year>. When I contacted Amex about my new Amex XXXX card on XX/XX/year>. They indicated it only applied if I paid the entire balance in full. If that was the case, I wouldve done that in order to receive a new card. They sent me an email that didnt specify the terms of receiving the card. This isnt fair. Why even put the option of having an Amex XXXX credit card if it wasnt applicable to me because I paid less than the full balance. I would like to have a new Amex XXXX card as presented to me. The email is not clear. Amex is false advertising. In this email it should of specified that if you paid less than the full balance. The Amex XXXX Card option would not be offered to you. Amex cant get away with misleading consumers. I dont think its fair that Amex could do a bait and switch. They should be held accountable.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After the XXXX  Security breach, I decided to freeze my credit, which was free from XXXX and XXXX but TransUnion charged me {$10.00}. I am now looking to temporarily lift my credit freeze to apply for a new card and I am being charged again for a temporary lift from TransUnion for {$10.00}. I understand {$10.00} each time is not a lot of money but I find it to be morally unethical for a company I did not choose to use making money off my information being stolen. I would love to not have a security freeze on my account but given I received confirmation that my information was stolen during XXXX XXXX security breach, I would rather be safe than sorry. Not only do I find XXXX XXXX business practices appalling considering I can not change my social security number and will need to have a security freeze for the rest of my life, I find it even more appalling that it is not illegal for these companies to make money off me. I'm not a victim of identity theft but I kind of am. Why am I paying for this when I did nothing wrong?
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was reviewing my credit profile and noticed some inquiries that do not belong to me. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-11-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Americas Car-Mart, Inc. (AR)

I purchased a vehicle with a company using this finance company. Driving the vehicle, after having it for two years and almost being paid in full never missing a payment, and giving all income tax checks for two years, the motor completely blew up on the side of the road.  XXXX had vehicle towed to local mechanic where it was held for two weeks. I spoke back and forth with general manager, and they would not agree to trading it back in for another vehicle. Instead they insisted that I pay the nearly 5 thousand dollars extra to have a complete new engine put in, and refinance for 4 more years on top of what was still remaining in original loan. Once we stated that it was a bad idea we never heard another word from anyone at XXXX, or was ever made aware of the debt placed.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FM)

They called my phone with several different numbers with no voicemail left. Trying to collect on a debt over 7 years old past the limitations. phone numbers listed below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have over 35 more from the same company
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NV)

Affirm Inc is not my account and was opened fraudulently XX/XX/XXXX in the amount of {$5200.00}. XXXX hasn't removed this account because the lender won't remove this account. I need this removed from my account as soon as possible. They did a lazy investigation and claimed I didn't report this sooner. I reported this XX/XX/XXXX that was ignored even though they said this account was opened in XXXX and the loan was taken out XX/XX/XXXX without my knowledge. As soon as I notice I explained this wasn't me and where is the proof? What bank account did these funds appear? I never received the funds and this is the only late payment account showing on my credit report which has hinder many opportunities for me. Costing me hundreds of thousands of dollars.
Consumer complaint received 2018-01-16
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: EQUIFAX, INC. (TX)

Reporting a charge off account. Never received any documentation stating I owed the amount and never gave me the opportunity to pay the account. Also, when sold the auto was told I had gap insurance and found out I was lied to later. Reporting charge off and wont provide documentation. Requested numerous times for original documentation confirming it was even my account. Called and left a message to discuss never got a returned call.
Consumer complaint received 2019-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NV)

I always make transfers thru Money Gram to the bank account of my son - XXXX XXXX XXXX University. 
Last 3 transfers : XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$600.00} never make to his bank account.This was his housing and school expenses. 
After calling thXXXX XXXX XXXX who never received the money I contact already 2 times Money Gram and still not have answer where is my money.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I returned my phone to XXXX  which required me to take a XXXX card and now they are charging me for a phone I returned to them, and put it in dispute resolution but XXXX put it in dispute resolution and still charging me for a fee for buying a phone I returned. 

Now, it is in my report and they refuse to take it off my credit report so I can not get credit so XXXX is asking me for something I no longer have as well as XXXX XXXX, as I tried to register my dispute resolution to take this off my credit report but they refused to let me register.
Consumer complaint received 2024-10-18
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. (FL)

I submitted via the CFPB my FTC identity theft report on XX/XX/XXXX, and include the items which needs to be deleted. TransUnion responded on XX/XX/XXXX. Please see attached transcript. I am mentally challenged or a liar to submit a FTC report that is not true. This is an insult! I am going to retain counsel.
Consumer complaint received 2024-10-28
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. (FL)

My credit information is being used incorrectly and without my authorization by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), which mandates that only individuals or entities with a legitimate purpose can access and handle my credit history, I believe the bureaus have violated my rights by maintaining or distributing information without my explicit consent. I request an investigation into the misuse of my data and ask that my information be safeguarded in accordance with the applicable regulations. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX, I pulled a copy of my XXXX credit report. Accordingly, there are two Capital One Revolving credit accounts listed. However, under each tradeline, Capital One reported my accounts as " 30-day ( s ) late '' from XX/XX/XXXX until XX/XX/XXXX. However, I 've been in an active Chapter XXXX bankruptcy since XX/XX/XXXX. Accordingly, I can not have been late on the Capital One unsecured debt ( s ) since they were included in Chapter XXXX automatic stay from XX/XX/XXXX until XX/XX/XXXX. Also, Capital One is violating the FCRA Direct Dispute provisions and violating the Dodd-Frank Act.
Consumer complaint received 2024-10-28
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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Auto Loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a XXXXXXXX XXXX  opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXXX, and another XXXX XXXX opened at XXXX XXXX XXXX XX/XX/XXXX XXXX account number XXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. Remove Hard inquiries from XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I have had my Best Buy card for about 7 years. I did not sign up for debt protection and I have been charged for this service since around XX/XX/XXXX until XX/XX/XXXX. I have asked for a refund at the end of XX/XX/XXXX for all of these fees I never agreed to and I keep getting the run around. The dept protection people tell me its Citibanks decision and Citibank tells me its the debt protection. I received 3 generic letters that assure me the service has been canceled but nothing addressing my refund. I have called dozens of times and I get the run around every time. I have asked for signature proof showing my approval for this service and still have not received anything.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

reported fraud on my account over a year ago, went through entire bill with chase associate and paid in full all my personal charges. Account was zeroed out and removed from my credit report several months later it reappeared on my credit. Disputed with credit companies and was told several charges where my responsibility, tried XXXX separate times to call, left message with chase to resolve matter. Charges were paid in full that were mine, was told by chase associate that i had XXXX liability for the fraudulent charges. Filed police report for identity theft, attached report. This is a new complaint not associated with complaint # XXXX submitted XXXX/XXXX/XXXX.