davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Consumer Name : XXXX XXXX XXXX XXXX XXXX SSN : XXXX, Consumer D.O.B. : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15U.S.C. 1681c-2 ) that you, TransUnion credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consist of a These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, Auto Loan account opened with XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, Telephone / Communications account with XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX and Person loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in questioned as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, Collections or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof form the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2019-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

My purpose was to buy two tickets to see a XXXX XXXX concert on XX/XX/2019, at XXXX XXXX. On Friday, XX/XX/XXXX I checked online to find a reasonably priced ticket around the original price of XXXX  dollars before the concert was sold out. Found a seller who was selling tickets for {$50.00} and messaged them. They replied later evening and said they were selling. As this was my first time doing a transaction like this I followed the person 's orders on how to send the money. I was skeptical of these prices and asked for the seat locations they had on their tickets to see if they were even available on sites on like XXXX  XXXX  that were reselling. They responded with seat locations that were sold so I thought the seller was real. I followed her orders to use " family and friends '' instead of " goods and services '' because they told me it was faster. I sent 100 dollars through paypal along with a {$35.00} dollar transaction fee because of the " friends and family '' service. When I sent out the money they kept replying they haven't received the payment yet and told me use an app called XXXX XXXX. I didn't know what app it was but I still downloaded it. I assumed from the high rating on the app store that it was a safe app. I sent them XXXX  dollars through this app and they said they still didn't recieve the payment. Because I had lost XXXX  dollars already I didn't want to send anymore money. I told them to send me the tickets. They responded by saying that they haven't recieved payment and would not send them. I told them to refund me and they said no because then they were afraid I wouldn't buy the tickets anymore. The text conversation lasted till XX/XX/XXXX at XXXX XXXX pst. I tried calling them through XXXX, they would pick up and then hang up again. When I told them I would call again the next day after I slept they never responded and deleted their account from XXXX the next day so I wasn't able to reach them. I found from the payment on Paypal that there was an email and email them. I emailed the person and the respondant said the person was unavailable. Apparently they are not connected but this connection is also sketchy because it was the account where I sent the money to. I called the customer line on Paypal later to get some help and they said that because I used the Friends and family service that they couldn't do anything besides emailing the same person.
Consumer complaint received 2019-01-24
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. (TX)

I have been disputing with XXXX, XXXX, Experian on XXXX. They send me back a letter that the accounts have been verified and certified. I don't believe that they have been disputing. The 3 accounts with XXXX have serveral inaccuries Balance amounts, Status, Amount past due These accounts have 3 different amounts and statements on the 3 credit bureaus. How can that be right when they should all be reporting the same information. I have the letters were XXXX sent me that the accounts are XXXX deficiency amount. The 3 accounts are Repression 's from XX/XX/2018 and are still reporting late payment days.
Consumer complaint received 2024-11-19
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)

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (TX)

I've contacted XXXX XXXX XXXX / Bureaus Investment Group about a XXXX  XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but Bureaus Investment Group has added it back to my credit profile with themselves listed as the creditor.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (WI)

There was a charge on my Barclay credit card statement for {$26.00}. The charge was from XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX IL XXXX I did not go to this restaurant in XXXX, IL. Tried calling the restaurant, but could not find a phone number for the restaurant in XXXX, IL. I let my Credit card company know that this charge was not mine. They came back with that this charge was valid, the credit card was used and the chip technology was used. That is not possible because we have a card and we did not go the XXXX XXXX and eat pizza at XXXX XXXX, No XXXX XXXX  is in XXXX, IL was the charge can not be valid. The Credit card company is wrong. Please help. 
Enclosed : copy of charge on the Credit card statement. Letter from our credit card company with there resolution, which is wrong.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information Employers : 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
Consumer complaint received 2019-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

I contracted with XXXX XXXX, XXXX dba XXXX XXXX XXXX to bail me out of XXXX on XX/XX/2017. The contract was for {$5000.00}. I paid {$1700.00} down and agreed to pay the rest by monthly payments over several years. My complaint is that XXXX placed a collection on my credit reports this month ( AWA collections ) in the amount of {$3600.00} when they gave up their right to any and all monthly payments due by breaching our contract starting XX/XX/2017. I paid for a XXXX XXXX, but they failed to provide one when they refused to reinstate my bail after I was in the hospital. When I called XXXX ( XXXX, CA branch ) after leaving the hospital, they said they wanted more money to keep my XXXX XXXX   active which is illegal. I didn't get what I bargained for and therefore XXXX has no right to collect money they didn't earn, hence, XXXX is attempting to collect an invalid debt that I do not owe. In fact, they owe me my down payment of {$1700.00} and damages for being XXXX.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I attempted to pre-qualify for a credit card with XXXX XXXX XXXX XXXX secured credit card I was informed that there is suspicious and fraud associated with my personal information with identity theft issues names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Missouri XXXX phone # ( XXXX ) XXXX XXXX XXXX XXXX email XXXX Thank you
Consumer complaint received 2024-11-19
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-11-16
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 Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account 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 2019-01-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cordoza & Wexler Recovery Services (CA)

I have been repeatedly contacted by agents form XXXX XXXX   XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ). They have left voicemail on my personal cellphone to confirm my whereabouts and threatened that if I do not respond, charges are going to be filed in my county of residence ( they don't name the county ). I have answered the phone several times, and a recording tells me to contact their offices. On one occasion 3 weeks ago, they called me at work and I spoke to someone who said they were collecting for a payday loan company that I paid in full, although there was a dispute on the interest -- I borrowed {$300.00} and paid back {$450.00} in 4 weeks, but the company claimed I owed {$150.00} more. Those types of loan sharking loans are not even legal in California anymore. That debt occurred approximately 8 or 9 years ago in XXXX or XXXX! In California, the statute of limitations is 4 years. Anyway, I told this to the collector, reminded him it was not legal to claim on a time barred debt and asked him to stop calling. He insisted that they were going take legal action, got very nasty and I told him to sue me and notify me of the Court date before I just hung up. Today, when I answered another call telling me to call their office, I did call, got their contact information, and advised that I was reporting them to the FTC and CFPB. unfortunately, the FTC is closed right now, but i will make a complaint as soon as they are open.
Consumer complaint received 2024-11-16
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. (NJ)

I have been challenging these bogus and erroneous accounts. I also attached an FTC in my previous claim, which I am attaching again in this dispute, I am also attaching my notarized identity theft affidavit. This is my final dispute with this account ; following this, I will proceed to civil court in my state of New Jersey to file a claim against your company.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In XX/XX/XXXX my credit card with Capital One was in a {$780.00} state of closer so I called to make arrangements which was towards the end of XXXX of that same year. So I began to make payments to lower my card debited amount. I'd noticed that I also needed to cut down on my uses of the card which I'd done that also. I began to increase my payments, here I'm thinking that doing such would lower the amount of the balance, but it didn't, it just seems like this balance was getting longer to pay off. After staying up until XXXX XXXX on XX/XX/XXXX this morning and adding up what I've paid into this account with the {$280.00} that shows on my new balance will total to be {$1400.00} in a 9 months span. I know what my interests rate is and this rate that I'm being charged is more than what I agreed to. XXXX the costumer service rep. that I'd spoke with this afternoon @ Capital One claims that what I owe is {$480.00} which is a big conflict in what I have received and what she's claiming that I owe which is ridiculous. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC (KY)

I was contacted by XXXX XXXX XXXX in reference to a debt I owe to XXXX  XXXX XXXX  for {$760.00} on Tuesday, XX/XX/2019. The rep said she was in the Minnesota office and they had a Texas Office as well. Their phone number is : XXXX. I immediately requested an Itemized Statement which the rep ( XXXX ) said could only be done with a written request. According to my rights, if I requested an ITS it should be considered a dispute and they should supply it. She also said the original account had been sold to another agency ( she didn't say who ) and they " partnered '' with XXXX XXXX. This rep called me at work, and I immediately told her not to call me at work anymore. I emailed the company that day stating that I wanted to cease and desist all communication and requested the ITS. I had a message from this XXXX on my phone last night, and a missed call today. Until they resolve this issue by sending me an ITS I won't no contact with them. I have no idea what fees or interest have been tacked on the bill of {$760.00}. I would like proof of the debt as I am entitled too. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX
Consumer complaint received 2019-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AutoNation Enterprises Incorporated (FL)

I have received repeated phone calls from CIG Financial for YEARS. 
They are looking for a person named, " XXXX XXXX ''. Each time they call, I inform them that I no one by that name resides here nor do I know anyone by that name. I then tell them to stop calling my phone number. 
Yet, they continue. This has gone on since I have had this phone number ( many years, now ). 
I have asked to speak with a manager or supervisor only to be put on hold indefinitely. 
The latest call was today, XX/XX/2019 at XXXX XXXX, EST. 
My caller ID says they are calling from XXXX
Consumer complaint received 2019-01-24
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)

Experian was notified of the identity theft that I have been a victim of since way back in XX/XX/2018. I have a security freeze on my Experian Report, have sent in Police Law enforcement ID theft affidavits. I have provided proof that I am a victim of Identity theft this only occurred after my wallet was stolen. Not only are they authorizing these fraudulent accounts to be placed on my Experian credit report, They were notified that I did not authorize these accounts to be opened. I requested this account be blocked in particular because I have never received a single piece of documentation from this company. I have never been in any of their branches, never signed anything and the address they show that opened this account XXXX XXXX XXXX XXXX, Tx XXXX was never my address. I have notified the creditor. I am attaching my Identity theft Affidavit below once again. I called and spoke to Experian Fraud specialized services department whom located my identity theft affidavit. I advised them I have never done business with XXXX XXXX, and that the account only appeared after my wallet was stolen and after my identity was used unauthorized. Experian Refuses to block the fraudulent XXXX XXXX account and advised me there is nothing they can do. This is not my account. I did not authorize this account to be opened, I never received any information from this creditor. I never signed anything for this creditor. I never authorized anything verbally either. That's just it the account was only opened after my wallet was stolen by THE THIEF that stole my identity. Please Review Experian 's practices as they do not seem concerned about victims of Identity Theft. They are not following consumer laws.
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (FL)

I did not receive written communication from LVN funding regarding attempt to collect a debt from the XXXX XXXX Credit Card account. The account was reported to the credit bureau on XX/XX/2017 the amount {$290.00} has been paid off and LVN funding will not remove the charge off from the credit bureaus. I have contacted the company by phone and a supervisor stated the company could not delete the remark.
Consumer complaint received 2019-01-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NY)

I sent a money order to the US department of state with documentation such as birth certificates and marriage documents. Attaches with these documents was a money order for {$320.00} to pay for the application for my wife to come to this country. I was then informed that the money order never arrived, but the documents did I had to pay again this time i used a credit card. I contacted Western Union about the matter and they stated that the money was delivered and someone else cashed the check. I tried to resolve the matter with them as I feel robbed of my {$320.00} which is a lot of income for me as I am retired and XXXX and only receive {$680.00} a month. I will attach a copy of the money order that Western Union provided to me when i tried to resolve the matter.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (OK)

XXXX XXXX denied me a credit card on Tuesday, XX/XX/XXXX ( which in itself is not a problem ). While they were able to inform me I had been denied both in branch and then over the phone, they refused to provide me with any proof of denial via email or through their system, informing me that they were unable to confirm that with another underwriting institution. Because they pulled a hard check on my credit, I am currently unable to receive that approved loan without the denial from XXXX XXXX. It is ridiculous that they were able to deny me within five minutes of applying and then supposedly unable to do so for at least 7 days. Additionally, during repeated phone calls to their customer service phone number, they repeatedly lengthened the amount of time it would take to receive my denial from 7 days to 11 business days.