davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. THIS IS ALSO STOPPING ME FROM ACCOMPLISHING A LOT OF THINGS THAT I NEED TO ACCOMPLISH AND IT IS NOT FEAR TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

Received a credit card from Citi I did not request. I have called twice to request that the account be closed and both times they refused to honor my request without me giving them my social security number. I refuse to give this information out, especially to a company I don't have any confidence in. My credit file was frozen several months ago to prevent fraudulent applications. I don't know how this application was processed despite the freeze. The company suggested that I walk into one of their branch offices to get a telephone number for their credit fraud department rather than trusting in the number on unsolicited mail. There are no service branch offices near me.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NJ)

Made purchase using XXXX XXXX  prepaid visa card to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Californa XXXX. Control for sauna heater, the part was defective and never worked. Contact the XXXX   XXXX about problem and they gave me a return authorized number.I paid to ship the part back. XXXX XXXX never refunded my my and made many calls and leave messages no return call. So disputed the invoice XXXX and confirmed with tracking they receive the part back. Disputed the claim with XXXX XXXX CARD Incomm Inc XXXX. XXXX XXXX XXXX Georga XXXX Certified mail. After a few months INCOMM Inc that XXXX XXXX INVOICE TOTAL XXXX NON REFUNDABLE {$27.00}, {$51.00} 30 % RESTOCKING FEE {$110.00} TOTAL AMOUNT DUE XXXX XXXX mail me a the balance on the card in check in roughly {$3.00} left Closed the account and said I had to deal the vender myself.After back and forth with prepaid Card XXXX XXXX   XXXX XXXX XXXX still have no refund and XXXX XXXX   closed the case. Not even the amount that was stated in the paper of refund from XXXX XXXX, XXXX out of the money to return shipping on the part.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately 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
Consumer complaint received 2019-07-30
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (VA)

Navient has not provided any written or signed documentation showing I was aware that the account was no longer in forbearance and that the past due amount would report only at 90 days of delinquency. This credit did not report any a delinquency until the account was 3 months behind and no longer in forbearance. This lender has updated the status but did not remove the negative marking from any of the credit reports and I have requested this to be removed 3 times.
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (CA)

I have never been late on this account. The date of last activity is incorrect. How can this account be charged off when I paid the account in full not late? Equifax violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX, XXXX XXXX XXXX -
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Consumer complaint received 2019-07-31
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: Experian Information Solutions Inc. (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (CA)

I have a care credit account from XXXX XXXX. The payments are around 225 a month and I guess along the way I missed one payment and the bill has become astronomical that I cant pay it down. My bank statment shows that I have paid these people almost monthly until the bill got bigger and bigger from this missed payment till it was almost 800 dollars one payment. I have called them TWICE and emailed to figure out a payment plan that I can fix this, but both times someone that doesnt speak English well starts yelling and berating me. I try explaining the situation and they ignore and demand I pay this massive bill at once. I emailed and sent proof of the numerous payments I have sent and got no response. They call me excessively but can not talk to a sensible person EVER. So now my credit is continuously tanking because i can not repair this.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Army and Air Force Exchange Service (CO)

On XXXX XX/XX/2020 I called Army Air Force Exchange Services ( AAFES ) and said I did not open a credit card. AAFES refused to take action, and said I must call back on XXXX XX/XX/2020. 

On XXXX XX/XX/2020 I called AAFES and talked to the fraud department. They asked me to send and email and they would send the letter. I sent the email they requested. I called AAFES to confirm they received the email. The representative refused to ask the fraud department if they received the email. I insisted they ask the fraud department. The representative then checked and confirmed the email was received. 

On XXXX XX/XX/2020 I received a credit card that I did not apply from AAFES. 

As of XXXX XX/XX/2020 I still have not received the promised letter from the AAFES fraud department.
Consumer complaint received 2020-01-18
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: CITIBANK, N.A. (CA)

My car was having its 2nd infotainment module replaced by XXXX XXXX under warranty because it was defective. I was given a loaner XXXX XXXX to drive because the replacement unit had to be ordered. The loaner agreement stated that any damage to the car would initiate a claim with my insurance company. The loaner windshield had lots of pits from prior Ioans. The day I returned the car, XX/XX/XXXX, the windshield cracked on my way to the dealer. Nothing hit the windshield the entire time I drove the car. I am not responsible for the crack in the windshield. 
I was informed when I returned the car to the dealer that I had to pay for the windshield because they had changed their policy. I argued that the agreement I signed stated that the dealer would file a claim with my insurance company for any damage. I was told by the Service department manager, XXXX, that the only way to get my car back was to pay for the windshield. She said that I would have to contact my insurance for a refund as XXXX would no longer file with the insurance company. The cost of the windshield was over {$1100.00}. 
I am a senior female who was bullied by the manager and who had no recourse to get my car back although I had not caused the cracked windshield. 
XXXX was found guilty of defective windshields on their XXXX and XXXX XXXX pls see Docket NO XXXX. XXXX is currently being sued for defective windshields on their XXXX XXXX  in the U.S. District Court for the District of New Jersey  - Case NO XXXX, XXXX v XXXX XXXX  XXXX XXXX . I have attached the court filing in a pdf. 
This charge is NOT valid because the windshield is defective. I have never seen a windshield crack like that. XXXX has a history of defective windshields and this current class action lawsuit shows that they have not corrected their problem. 

There are 2 pdfs attached to this email XXXX XXXX This is to inform you that ANOTHER lawsuit has been filed against XXXX for defective windshields on XXXX XXXX. It is Case No. XXXX in the U.S. District Court for the Central District of California , filed on XX/XX/XXXX. I have attached a picture from the top Class Action website with the information. 



Sent from my XXXX, XXXX XXXX smartphone Show quoted text A third lawsuit against XXXX for defective windshields was filed XX/XX/XXXX in the U.S. District Court for the Central District of California, Case No : XXXX. I have attached 2 screen shot w additional information. 
Please call me when you receive this information. 

XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7 years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Balance : {$1000.00} Dear Sir or Madam : On XX/XX/2019 I notified Midland Funding LLC in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Midland Funding LLC refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Midland Funding LLC under the Dodd-Frank Act.
Consumer complaint received 2019-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (OH)

Greetings. 
In XX/XX/XXXX I saw an offer they made on the XXXX channel of an XXXX cell phone and cable. I called and they sent me the product. When I received the cell phone it was locked and could not be used. I immediately called the XXXX company and they told me to go to XXXX and return everything. About 2 months later in XXXX they began to send me invoices. I sent him the receipts that I had returned the equipment. XXXX sent my names to some collectors who have been calling me and harassing that they are going to hurt me on credit and that they are going to report to me. XXXX tells me that I don't owe them money but the collectors keep calling me every day.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (OH)

I would like to file a complaint regarding incorrect personal information Experian is reporting. I have requested the incorrect information be deleted multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/2020. My only Address is XXXX XXXX XXXX XXXX XXXX, XXXX Oh XXXX. In my letter disputing this error, I told Experian that I challenge the accuracy and reporting of this item. I sent Experian another letter on XX/XX/2020. Experian has continued to report this incorrect information for almost 4 months since being notified they were reporting incorrect information. Then on XX/XX/2020 I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' This is a computer generated response that shows they did not even investigate my CFBP complaint. My ID was included in the complaint, ID and social security card, showing this was sent directly by me. Even though per the Fair Credit Reporting Act, they are required to respond and correct this incorrect information not determine who sent the dispute. This is a stall tactic and this is almost 4 months past the date my letter was mailed and received by Experian. Experian must remove all incorrect personal information. I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this incorrect personal information from my credit report. I have attached my initial letter to Experian, my second letter to Experian on XX/XX/2020, My ID and social security card that were sent to Experian both times, and my CFPB complaint where Experian tried to stall saying Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request.
Consumer complaint received 2024-08-21
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have had this card beginning approximately XX/XX/XXXX. There have been two balance transfer 's as well as purchases throughout. I have been steadily and relentlessly been charged various of fee 's for various reason 's. Whenever i have called Capital One to try and understand how these fee 's were calculated, all I was ever able to understand was that it was too complicated to explain to me. I have wasted probably over 100 hours of phone time and an equal amount of time trying to read and understand the ever changing terms and conditions in the monthly statements. 

Based upon the spreadsheet I have created, Capital One is charging me {$900.00} in various fee 's. WHICH I DISPUTE. 

I have attached all my Capital One statements for the years XXXX, XXXX, XXXX, XXXX and XXXX thru the XXXX statement. I have also attached my spreadsheet which summarizes my entire history with Capital One, Month by Month with a running balance.
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: AltCap (MO)

I attempted to apply for a loan threw the Missouri SBA.gov loan portal. I was matched with a company by the name of AltCap from XXXX  XXXX, XXXX. I went threw they process applying for a microloan of {$10000.00} to aide in my business development and maintenance. I filled out all the required information. Providing the company threw they portal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With all the necessary information. They told me the whole process would take three weeks at the most. After a month and a half. I got an email response from the rep that was helping with the loan. This email response was sent after an email that i had sent to the company asking why did my personal and business score drop by XXXX points each. A day later i received a response saying that i was decline, they never answered why the? why my score drop so low. Just a simple email stating that i was rejected. Also i was wondering what was really going on. Because they ask for an award letter from social security along with business and personal bank statements and id such as driver license. This seem very strange to me. All the personal information is sent and didn't get a proper response. Very illegal business it looks like to me they are doing. They claim my company didn't have cash flow. If this was all that was need, would it be more important to ask for paypal statements or stock portfolios. It's not making sense to why they would ask for personal and business bank statement along with award letters. When this have nothing to do with cashflow. My business makes money. But most of our cashflow come from our own streaming service and royalties. Not personal and business statements from the bank. We been in business functioning for XXXX years without any help from any bank of private lenders. I sent them a sales report from XXXX years ago from XXXX. That should have been all that was required. This is a very sad and depressing situation. They give loans to people and companies that don't deserve just because of who they know. Rather then companies like my own that has shown, Stability and security. This was a simple attempt to figure how to crash a company like my own. But we are everlasting. Lol, XXXX years from now they'll be tryna borrow money from my company if they haven't already attempted to steal from us. XXXX XXXX XXXX, Its A Thought Process, this company i was attempting to borrow from is obviously fraudulent and obviously stealing and i just wanted to report it.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX, XXXX XXXX made a inquirie on XX/XX/19 which i never applied for credit. Please remove I have a credit alert and they should call me before anyone can run my credit.