davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, 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. (AR)

I show that all credit reporting companies are putting the credit run by my existing accounts to verify credit if it get increased or there normal check up shows up like i asked for a new account. 
I have had my loan for home be bought out 3 times now. I show XXXX on my account now twice that is normal because they purchased the loan that is not me checking for new credit. It was XXXX now XXXX XXXX that has my morgage, XXXX : It was run on XXXX/XXXX/XXXX and XXXX XXXX so that is normal for a home lender. Please tell them i should not have this against me. 

Also i have XXXX XXXX XXXX account i have had a long time. They moved over my accounts and merged the total on some to increase XXXX card that i use to higher total. I now have XXXX XXXX XXXX on their too. XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. Existing accounts. 

XXXX XXXX - I have no clue who this is but i have a feeling since it is the same date as XXXX XXXX this is the same thing on my file showing pulled credit. 

XXXX XXXX These are the same people and i do n't recall them asking to pull credit. 

Who is this and i have no clue who it is? XXXX Transunion : They have the exact stuff XXXX XXXX and XXXX XXXX XXXX please resolve and take off.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XXXX XXXX XXXX we purchased a guitar from XXXX, paid for via Capital One credit Card. 
When the instrument arrived it was manufactured incorrectly and was broken. Attempts to get the supplier to replace were ignored so I advised Capital One to credit it. This was in XXXX XXXX. Since then Capital One just keep changing their rules, a sking for the same information over and over again. I have rung them about 20 times. 1 year later still no refund. Total amount is {$340.00} USD. I am sure Capital One has insurance but they wo n't deal with the refund. My most recent contact they again asked for a report on the damage they already have had twice. i am being deliberately strung along hoping I will go away and they never reply even though they say they will respond in 90 days, they never do.
Consumer complaint received 2017-11-14
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: SYNCHRONY FINANCIAL (TX)

I pulled my Credit Report and found XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XXXX XXXX, XXXX I wrote XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
SYNC/CARECREDIT received the certified letter on the date of XXXX XXXX, XXXX. 
XXXX responded on the date of XXXX XXXX, XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX XXXX XXXX XXXX XXXX And further state that they can not delete or modify the status as it reported. 
XXXX sent another letter in response to the first letter. XXXX also states that the account in question was sold to XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. 
XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XXXX XXXX, XXXX I wrote another certified letter to XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX received the second certified letter on the date of XXXX XXXX, XXXX I never received a response to the second certified letter. 
On XXXX XXXX, XXXX I pulled my credit report to find out if XXXX had marked my credit report as disputed. And found that XXXX had not marked my file as disputed, and as to this day of XXXX XXXX, XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX on that date of XXXX XXXX, XXXX notifying XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XXXX XXXX, XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX received the third certified letter on XXXX XXXX, XXXX And yet again XXXX has failed to respond to the certified letters I have sent to them.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

This morning, XX/XX/XXXX at XXXX XXXX. I contact Old Navy Credit Card concerning over charging or taking out additional automatic electronic payments since XX/XX/XXXX. I mentioned that there are some that I can verify, but there are many that I can not verify, and I'd like for them to verify. I spoke with 2 representatives, the first one XXXX, who could not understand and kept rambling about how I have three credit lines so there should be 3 payments each month, even if one of the account had a balance of {$0.00}. I asked to be transferred to another representative, her name was XXXX. She was able to verify some of the automatic e-payments, but many that she was not able to backtrack or see. Being frustrated, I called my bank and asked XXXX XXXX XXXX XXXX to help me track the other unauthorized automatic e-payments. The bank teller was able to provide the trace number to me so that I can ask Old Navy Credit Card to trace where the unauthorized automatic e-payments were going through. So, this evening I contacted Old Navy Credit Card again, this time, through the virtual chat and spoke with a representative XXXX. He also confirmed the same thing that XXXX was only able to confirm. I asked XXXX, if given a few of the trace numbers, will he be able to tell me where these unauthorized e-payments were going to, such as another person 's account or perhaps an electronic error or even an old account. He also responded that he was not able to do so. I am very frustrated with the same response Old Navy Credit Card has given me and need an actual Synchrony representative or someone who can help me resolve this. At least, tell me that they can transfer me to speak with a representative from the fraud department or something, but there was no offer.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (LA)

I opened a credit card with XXXX XXXX on XX/XX/XXXX. I used that credit card to buy new tires for my car, I paid the balance. These are payments dates from my bank statements : ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$150.00} ) ** XX/XX/XXXX XXXX   Online Pmt XXXX Web ID : Citictp ( {$200.00} ) ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$200.00} ) ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$200.00} ) I have bank statements that shows all of the above the payments. My balance was {$0.00}. I do not remember I used that credit card again. On XX/XX/XXXX, I was checking my credit report, I found that there is a report from XXXX XXXX credit card against me that they closed the credit card because of no payment of the bill. I called the XXXX XXXX credit card to investigate what is that balance and why they closed the credit card without any notification. They told me that there is a balance of {$43.00} not paid and they tried to collect it and they could not collect it so they closed the account and reported that to the Credit Bureau. I told them I am not aware of the {$43.00} bill, and I never received any notification of that balance, I did not receive any mails, Emails, or any phone calls. I asked them to fix that problem of sending a false information to the credit bureau and closing the credit card with out contacting me. They are very rude and their answer is " NO we can not do anything ''. 
I would appreciate it if you please could investigate my issue with the XXXX XXXX credit card and to fix their inappropriate report against me to the credit report and to remove that from my credit history.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

.Re : Capital One Acct I opened an auto loan with the referenced bank, at this I do n't remember the date. I started making the payments a month before the scheduled date of the first payment. 
I paid the loan on time each and every month it was scheduled. In XXXX XXXX, I had an accident hitting some XXXX ice and the car was totaled. Capital One told me that a $ XXXX amount was left to pay on the loan, so I figured that I would pay it off using the scheduled payment structure that was currently in place. 
Capital One, increased the payment and excelerated the time needed to pay off the loan. To say that I was upset was exhibited in my conversations with the various people I spoke with ; after all I had never missed a payment and felt that I should have been given some consideration! 
I was given a date of XXXX XXXX XXXX to pay the balance or have the account written off and foreclosed. Also they refused to allow me to continue to make the payments on line instead " I had to call them every month with my payments. I informed them it would be paid by XXXX XXXX, and it was. 
Capital One not only foreclosed the account but charged me an extra XXXX as a late fee! 
This accounted has and still is reported as the following : 1. Bad Debt 2. Write Off 3. Placed on collection, etc. 

As I have stated I was in no way going to let myself be bullied be a few people who made decision and usurped their own status in an attempt to play " XXXX '' This has maimed and undermined myself and my credit, all because the people who handled this tried to make me say " UNCLE '' and I would'nt! 
This should be corrected " IMMEDIATELY ''.
Consumer complaint received 2024-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (OH)

Someone has filed unemployment as me. I have received a notice from the state about the account I never filed for. Now I have received a reliacard through US Bank for unemployment funds to be deposited to and used as a debit card. I did not file for unemployment nor being issued a debit card. When I call US Bank to let them know about the fraudulent account being opened and the debit card issued based on this, the account number sent on the card no longer works either. I want everything closed having to do with the account being used in my name to issue these reliacard debit cards.
Consumer complaint received 2017-11-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (FL)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX and financed by Credit Acceptance.  XXXX is contact and owner of XXXX. In reviewing the Bill of Sale fees not discuss pre-delivery fee of {$190.00} and GAP {$630.00} include in sale totaling {$6600.00}. The vehicle was already on the lot AND I feel I was overcharged for the vehicle. I was under distress when I purchase this vehicle. After the down payment I owed {$5600.00}. Time of purchase the vehicle had over XXXX miles. I lost my job in XXXX and begin to struggle with payments. The vehicle was repossessed by Credit Acceptance on XX/XX/XXXXXXXX. I tried calling on a few occasions to make payment arrangements. My son just started a job and was getting first pay check on XXXX XXXX. I would have been two months down after XXXX. I asked Credit Acceptance to give me till XXXX XXXX. I was told by customer service they would call me back instead they pick up vehicle and repossessed. I had over {$2000.00} of nice stuff in vehicle because I was in the process of relocating and Credit Acceptance took my stuff. They did not send a letter or any information on repossessing vehicle or letter stating they were repossessing the vehicle. Now, Credit Acceptance has placed me in the Credit bureau claiming I owe on the vehicle that is no longer in my possession.
Consumer complaint received 2024-09-08
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)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC (CA)

On XXXX I entered in to an agreement with a company located in XXXX XXXX, CA called, " XXXX ''. They use a finance company called Universal Account Servicing , LLC ( UAS ) based in XXXX, Missouri to offer 0 % interest financing for their services. I have been making the required minimum payment of {$100.00} regularly. In XX/XX/2020 I made a lump sum payment of {$1000.00} to try to accelerate my account and somehow a payment was sent in XXXX for {$97.00} instead of {$100.00} for a difference of {$7.00}. I received a bill from UAS for a {$10.00} late fee. They also are charging me {$220.00} in interest because I'm {$7.00} short on my payment. This is absolutely usury and I refuse to pay them {$220.00} for being {$7.00} short on a payment. I called them on XX/XX/2020 to let them know that I didn't know how the payment was sent {$7.00} short and that I could payoff the remaining balance of {$770.00} to avoid the {$220.00} fee but they will not waive the interest fee of {$220.00} and that is why I am reporting them. They told me that they will be reporting me to the credit bureaus for the {$220.00}. This is extortion for accidentally being {$7.00} late on a payment? 
Another matter is that they don't show any fees charged or interest charges on their statements. They simply just add their fees and interest charges to my outstanding balance and hope no one notices.
Consumer complaint received 2024-09-08
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. (GA)

To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ).

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Inquiries are not a matter of record when I never gave these companies access to My credit file!!

According to Section 604 of Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete. 

The following inquiries are unauthorized.
Consumer complaint received 2024-09-08
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Regarding TransUnion 's Reporting Practices Dear CFPB, I am writing to formally dispute the accuracy of information reported by TransUnion regarding my credit history. According to TransUnion, they claim to update information on a daily basis. However, I do not believe this is true in my case. 

I spoke with XXXX Saturday XXXX regarding an account that I paid off with there company on XX/XX/year>. They have confirmed they sent the updated account information to TransUnion ; however, I have not seen any updates reflected in my credit report. 

This lack of timely and accurate reporting is concerning and affects my creditworthiness. I would appreciate your assistance in investigating this matter further and ensuring that credit reporting agencies adhere to fair practices. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely CFPB If you have any other questions or need further assistance, let me know I see having proper documentation doesn't do any good. Also TransUnion is always behind by 30 days
Consumer complaint received 2020-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

At the Wells Fargo Bank branch located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX on Saturday XX/XX/20 at about XXXX, I went to get cash ( {$120.00} ) from my checking account ( as I have been doing once a week for about the last 15 or 20 years to get cash to use at the gas stations which no longer accept checks ) and the bank personel refused to honor my request. They said they were discriminating against me and refusing to give me MY MONEY because I don't wear a face mask. When I told them that they don't have a right to refuse me MY MONEY, they ( XXXX XXXX ) called the police ( officers XXXX  badge # XXXX and XXXX XXXX badge # XXXX of the XXXX County Sheriff 's Dept. ) to escort me off the premises. Because the bank refused me MY MONEY and used armed force ( the police ) to force me to leave without MY MONEY, the bank has basically committed armed robbery against me. In their act of discrimination against me. The resolution I am seeking is stop them from continuing to try to force people to wear masks which is a violation of everyone 's basic human rights, as a virus can not be transferred thru the air or by touching anything ( a virus is only a protein fragment produced by your own body and is never alive and can not reproduce and is not contagious. You can only get a virus from an animal or from someone elses body by having it injected into your bloodstream ). I also want you to start a class action lawsuit against the bank on behalf of all citizens to seek damages against the bank for their violation of everyone 's basic human rights.