davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Consumer complaint received 2018-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Investigation took more than 30 days TransUnion has had my account frozen and ... '' In Dispute " ..for over 4 months. I can not even get a response. I am on hold till they obey the law.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I requested the date to be changed for my credit card payment. I asked for the payment to be due on the XXXX of the month. Three months past and I forgot about asking for a change. Yesterday, XX/XX/XXXX, I checked my online statement and the due date was changed to the XXXX of the month. 

I called the bank and after a lot of conversations with various bank people, I was told the date I requested ( XXXX ) was not available so it was changed to the XXXX and I was not informed or asked to pick another date. No one contacted me about this matter and if I were to choose a new payment date, it would be after the XXXX of the month because that is when I get my Social Security check. 

I told the bank I could not make the payment due until the XXXX of the month and the bank refused to wave the late charge of {$37.00}. The payment must be made by XXXX on the XXXX. 
I told the bank my money does not go into my checking account until around XXXX XXXX on XXXX, but they insisted on charging a late charge if the payment was not made by XXXX on the XXXX.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (VA)

On XX/XX/2018 I went to buy a motorcycle and XXXX credit card through Citi Financial refused to I inform me why application was not processed. AS a consumer I deserve to know when my credit is pulled why credit was not processed. THEY kept saying department that processes had in a queue but do not take calls. This is unacceptable and appears to be a business practice.
Consumer complaint received 2018-08-02
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. (TX)

This address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX. 

has this as notice on my credit report Experian and this company has invaded my privacy ftc violation cra fiar credit act
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Card : I have not used this card in years. I was not even aware that I still had the card. 
Capital One charged me a member fee w/out my knowledge in XXXX of XXXX. 
They reported credit card late payments in XXXX for this fee. I do not have this card nor have I used this card in years. 

This has been the 2nd time this occurred with them. This happened in XXXX as well. They charged me a member fee for a card that I don't have. I thought I'd closed it. I paid it when they called me but had no real idea what it was pertaining to. 

This is destroying my credit. I do not get paper statements from them nor have I received emails ( or any notice. ) This needs to be corrected ASAP.
Consumer complaint received 2020-05-01
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. (OH)

I requested the a method of verification with XXXX, Equifax and XXXX about an Bankruptcy and I have attached the response from XXXX which is not truthful. They stated they CERTIFIED THE INFORMATION WITH THE " Company '' ; however, there was no investigation of the this nature and I have letter from the courts stating they do not share information with Credit Agencies. Therefore, I requested method of verification with validation which was not provided. 

I request this information be removed ASAP as it has been more then 30 days.
Consumer complaint received 2020-05-01
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 requested the a method of verification with Experian, XXXX and XXXX about an Bankruptcy and I have attached the response from Experain which is not truthful. They stated they CERTIFIED THE INFORMATION WITH THE " Company '' ; however, there was no investigation of the this nature and I have letter from the courts stating they do not share information with Credit Agencies. Therefore, I requested method of verification with validation which was not provided. 

I request this information be removed ASAP as it has been more then 30 days.
Consumer complaint received 2020-05-01
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. (GA)

I recently checked my credit and noticed several discrepancies. Theres some accounts on there which I do not recognize and have never done business with. Some seem to be collection companies for companies I have never even inquired with or used in my life. I think I have been subject to identity theft. It looks like this person has gotten credit cards and automobiles in my name when I myself haven't even had a car. If you can please help me with this I would greatly appreciate it I am trying to get a car for my children and I and this is not letting us. Thank you.
Consumer complaint received 2020-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

all entries derogatory on my Chexsystems are the result of identity theft. I have tried to dispute the items with Chexsystems, and am given no opportunity to submit documentation to substantiate my case, other than ID Theft Affidavit. Chexsystems provides no justification for the accounts belonging to me. The derogatory information showing took place in the period of which I had not yet attainted the age of majority. d
Consumer complaint received 2020-05-01
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. (IL)

I have previously contacted Experian explaining that I have been a victim of identity theft and provided them with the accounts that did not belong to me but they continue to refuse my request of blocking and deleting the accounts for XXXX XXXX {$530.00}, XXXX XXXX {$290.00} and several accounts from XXXX XXXX XXXX. I have provided all documents requested by them. These are FRAUD accounts and need to be deleted and blocked from my credit report.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Pursuant to 15 usc 1692 I am requesting validation for this debt. Please provide me with proof that it is mine or that I even have to pay it. I am requesting validation for the following accounts : 1. Capital  One- XXXX XXXX. Capital One-XXXX
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC (CT)

I was served with papers to collect over {$6000.00} on a XXXX card I never had. I called the firm representing XXXX, Rubin and Rothman, and informed them it was not my debt. The attorney, XXXX XXXX, told me he would ask his client for copies of the statements as all statements attached to the complaint lacked what the {$6000.00} was spent on. I received a letter from XXXX asking me to circle the disputed charges on the statements I had and return to them. I wrote back via trackable Priority Mail that I did not have any statements to do that to, as all of the statements attached to the complaint were empty of purchases. XXXX then sent me a letter stating that because I didn't circle which purchases weren't mine on the statements, they concluded the purchases weren't mine which is disengenous to say the least since I never had them.

I am beginning to suspect that XXXX has no records related to why I supposedly owe them $ XXXX.
Consumer complaint received 2019-09-09
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 (VA)

Capital One charges a hidden fee for the use of their ATM 's if using a credit card. I was charged {$10.00} on a {$100.00} cash withdraw on XX/XX/19. I was not aware of the fee until after I was charged and it appeared on my statement.
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (FL)

I sent out a certified Dispute letter to the Debt Collecter company FORTIVA that was received XX/XX/2020. In this letter I asked them to validate this debt in question. They gave me no response to my dispute. I sent this letter with a return request receipt so I have clear evidence that the received my correspondence. When I called the company and asked to speak to a supervisor they told me that they did not receive a letter from me regarding a dispute. Under the Pursuant to the Uniform Commercial Code and the Fair Debt Collection Practices Act they are required to respond to me within 30 days by law. The supervisor tells me that they have 90 days to respond during their investigation which is false. And to add insult to injury they told me that they responded to me after I called them a second time to make my complaint. I have all the evidence of my certified letter that I sent along with my return request receipt should you need it for your records.
Consumer complaint received 2018-08-02
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Grant & Weber (IL)

I had an agreement with the original company that sold my " debt '' off to Grant and Weber -- I tried to explain this to XXXX and he basically told me that I was a liar and that I was wrong. I will not be dealing with Grant and Weber and I will also be submitting a formal complaint against the original company with whom I had made a prior agreement. I have also been getting non-stop phone calls from the Nevada area code that I can only assume are from Grant and Weber. I work a full time, XXXX job and do not have time to talk to rude debt collectors.
Consumer complaint received 2020-05-01
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. (OH)

I recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX   XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX. I have filed a report with the XXXX Police Dept and a complaint with the CFPB. This is really stressful and annoying I can't figure out what else needs to be done.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

On or around XX/XX/XXXX, I received an email from my credit monitoring service that a delinquency was reported by the mortgage company on my credit score. I called the mortgage company and the agent at that time told me that the payments were made and that she was going to put in a request to customer service to research why the payments were not applied to my account and that it would take approximately 3 days to correct the issue. 

Around or on XX/XX/XXXX, I was reviewing my bank transactions and saw that the XX/XX/XXXX mortgage payment was returned. I immediately called the mortgage company again. The agent on this conversation was able to see that my payments were in suspense because the escrow portion of the payment had increased by approximately {$90.00}. The agent noted that my new mailing address was incorrectly entered into the computer system and this was most likely why I never received notice that my payment was changing. I told the agent at this point that when we end the call I was going to send in {$2700.00} for the XX/XX/XXXX payment and to make up the shortages on the XXXX and XX/XX/XXXX payments. I also at this point asked to speak to a supervisor, the agent informed me that she would put in a request for a supervisor to call me which could take up to 48 hours. I never received a call. 

On or around XX/XX/XXXX, after not receiving a call back from a supervisor, I called the mortgage company again to ensure the issue was resolved. This agent said that the reason my account was not cleared up was because my XXXX, XXXX, and XX/XX/XXXX payments were returned by the mortgage company. While still on the line with the agent, I reviewed my bank records from XXXX through XXXX and the only payment that was returned was the XX/XX/XXXX payment. The have 2 payments of {$2300.00} that have not been applied which would clear up this issue. 

On or around XX/XX/XXXX, I called again to the mortgage company. The agent on this call said that she was going to see if she could get a supervisor to join the call so we could get this issues corrected. When she returned, she stated that her supervisor informed her they were already researching the issue and to reverse the delinquency reports on my credit and that I would received a call the following week since it was a holiday weekend. 

On or around XX/XX/XXXX after not receiving a call as promised from my XX/XX/XXXX conversation, I call in yet again. On this call I simply asked to speak to a supervisor and was told they would have to request a call back which could take up to 2 days. I never received a call.
Consumer complaint received 2021-01-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

Additional {$500.00} payment was credited to future interest instead of reducing principal I tried to contact them to properly apply the payment, but : Their website provides a telephone number that always gives messages to try again later I sent a secure e-mail to the address on their website but received no response I sent a letter to the address on their website but received no response
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax should not be reporting me as an authorized user on the XXXX XXXX  account. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (VA)

Chime is an online banking company. I have made multiple deposits over the last year without issue. On XX/XX/XXXX and XXXX, 2021, Chime made 3 unauthorized withdrawals from my checking account with XXXX XXXX XXXX totalling XXXX, and then suspended my account, so I am unable to access the money they have taken or the money I previously deposited totaling over {$4000.00}. I called and spoke with a manager to understand what happened and he refused to assist me unless I provide a picture of myself holding my driver 's license, a picture of the front and back of my driver 's license, proof of address, documentation verifying the transfers ( which I did not make ) and a written explanation of the origin and intended purpose of cash funds recently made such as my bank statement or check stub. They have given me 3 days to comply or they will cancel my account with all of my money. I feel like I'm being scammed and am not comfortable with providing any further information. I am contacting XXXX XXXX XXXX with regards to the unauthorized withdrawals.
Consumer complaint received 2020-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I contacted Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and requested proof of my debt be sent to me. They continually refuse to talk to me unless I provide them with my social security number. The company seems like a scam and I have never heard of them nor agreed to do business with them. Yet, they are negatively affecting my credit reports.
Consumer complaint received 2020-05-01
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. (OH)

I recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX   XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX. I have filed a report with the XXXX Police Dept and a complaint with the CFPB.
Consumer complaint received 2019-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.
Consumer complaint received 2020-05-01
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: AMERICAN EXPRESS COMPANY (SC)

More than 20 transactions were made on my prepaid credit card in one day. One of the same unknown transactions were made days before that was processed, the other transactions are on hold. I have been calling the contact number all day and have been on hold for more than three hours. No one had answered and I can not get a person on the line to tell me why this had happened. Twenty charges were all made on XX/XX/XXXX, equalling over the amount of {$2000.00}. There is no other way to contact the company only by mail and the 800 number I have for them which no one will answer but its a 24/7 customer service number. I also see that it says there is in a {$1.00} monthly fee for having this card when I have been getting charged {$5.00} a month when the card is active.
Consumer complaint received 2020-05-01
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. (OH)

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX, XXXX XXXX # XXXX this is a error please delete at once. I have a FCRA XXXX, XXXX, XXXX DISPUTE for a late payment XXXX XXXX XXXX XXXX # XXXX this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX XXXX XXXX # XXXX in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

* 'XXXX XXXX XXXX ' advertised an offer and i signed for, but it was a false advertisement. They were offering a XXXX  loan and the payback was over 30,000. Therefore i think they have to remove the hard inquiries for false advertisement. 

XXXX Capital one sent me letter of pre-approval for car refinance, and i ended up with Hard inquiry. 

* I do not remember much about the XXXX XXXX XXXX I only do not want those inquiries last any longer on my credit report