davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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. (CA)

This is so annoying! I am so dazed about this situation. I have submitted the same complaints XXXX times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Experian has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-18
Product: Credit 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: Healthcare Finance Direct LLC. (NY)

I began a teeth alignment program with XXXX around XX/XX/XXXX, with a total cost of {$2300.00}, to be paid in {$88.00} monthly installments. 

The alignment program was 8 months, concluding at the end of XX/XX/XXXX. There was a progress evaluation check-in about halfway through, where I uploaded the required documentation to show my teeth alignment progress. A ( human ) XXXX  XXXX was supposed to evaluate my progress, and if I was not progressing as planned, I was to be notified or given feedback. I received no feedback, which indicated that I was progressing as planned and on track. 

However, at the end of the alignment program, my teeth had not come close to aligning as advertised or planned. The problem was amplified by the fact that XXXX went bankrupt and stopped operations approximately XXXX months beforehand, leaving me with no recourse or ability to resolve the issue with them. 

Despite the company 's bankruptcy and inability to complete the service, payments continued to be processed through Healthcare Finance Direct ( HFD ), the third-party payment processor. I continued to pay until XX/XX/XXXX, bringing my total payments to {$1200.00}, when my attempts to resolve the issue with HFD were not progressing. Initially, I reached out to HFD to request a hold on future payments and clarification of their policies, but they have not provided a satisfactory resolution. I have only received boilerplate responses and I am unsure a human actually reviewed my messages. 

I am disputing a portion of the payments that have already been made due to the incomplete service, and I am requesting that all future payments be halted.
Consumer complaint received 2024-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc. (KY)

On XX/XX/year>, XXXX XXXX agreed to pay XXXX XXXX for developing an XXXX  version of the XXXX XXXX. An initial payment of {$2000.00} was made, with the remaining {$2000.00} due upon project completion. However, Mercury XXXX  has placed a hold on these funds without providing a clear reason. Despite the agreed-upon milestones and payment terms outlined in the contract, the funds remain inaccessible, causing delays and potential disruptions to the project timeline.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened this account earlier this year and credit was very high because I don't own anyone, and I like to pay my bills. But Capital one came destroyed my credit history I built. They are the one that only mail to my address credit card I am qualified for to apply. Last year I have to close my account with them and pay them off and they got upset and destroyed with bad report and I have to start over again and get my credit high to XXXX they started contacting me to apply now I did apply for credit card venture for XXXX I was approved but after getting the card I lost my wallet with credit cards and ID and my information were stolen and my pane was also hacked which I called XXXX I use their product to help me protect locked my phone. However, the credit card were used by people that hacked my account to purchase things online which I didn't authorize. I could not pay the bill because I didn't know that the credit card were hacked and used and I could not pay them on the first months and I didn't know that I was scheduled to pay them and I missed the payment and the Capital one get very upset without being patient to know why and they close my account immediately and threatening me not to touch or get access to the account. I am having XXXX, XXXX and XXXX. They don't have right to close my account without my consent. They were so aggressive and treated me as if I am nobody and very badly. when I wanted to make some payment, they blocked me not to make any payment and they went and put bad report to my credit. I told them not to send me the info of credit qualification to my address, but they did it again. 
The worst part is that I have numerous payments of XXXX dollars but Capital one didn't add it to less the amount I am owing them rather they continue to increase because they want me to pay it in bulk at same time for them to accept and recognize it but I would not be able to pay XXXX in bulk since I didn't pay in build they refused to pay the XXXX dollars I paid several times and increasing the bill now. They suppose calculate all these payments I made to the one I am owing them to lessen the amount I am owing. I don't why capital one is doing this to me. Their annoyance is that I didnt pay XXXX in bulk and I split it paying in XXXX
Consumer complaint received 2024-09-20
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)

On XX/XX/2024 I received an alert from a credit monitoring service I subscribe to that there was an inquiry on my TransUnion report. I was shocked and confused as I had my credit frozen with all three credit reporting bureaus a year ago when the XXXX  DMV breach occurred as I was affected.

XX/XX/2024 I called the TransUnion customer service line after being directed to do so by the website. I have multiple XXXX  XXXX, I am on XXXX and I have a government-approved care provider to help me with daily tasks. I explained to the customer service representative that I needed help understanding the questions. He refused to allow me any accommodation, refusing to restate the questions and instead telling me that my answer " I don't understand '' was unacceptable. 
I asked for a supervisor since I have XXXX and could not understand why they would not provide any reasonable accommodation for my stated XXXX. The supervisor also refused to help or explain how I could resolve things in a way that allows for me to receive the help I desperately needed. The supervisor refused to help me nor explain what steps I should take. They did tell me that they froze my credit at the time but that they would not send me mailed verification.

XX/XX/2024. I received two calls from someone claiming to be from TransUnion saying that not only was my credit not frozen, but that it had been until the phone call on XX/XX/24. I was told that the representatives at that time UNFROZE my credit contrary to what was requested and to what was expressed to me.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion on XX/XX/year>, on or around XXXX XXXX  PDT. I spoke to a male agent who sounded offshore ( XXXX ). As I was speaking to him his phone suddenly went silent and I was unable to hear him. I kept saying hello, are you there? There was no response. After a long moment of silence, his call disconnected. This is known as call-avoidance and is unacceptable. This is a pattern and practice with TransUnion. I have submitted complaints against TransUnion on innumerable occasions regarding this matter. I seek to hold TransUnion accountable.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (TX)

Subject : Unauthorized Account Reporting Request for Investigation Dear CFPB, I am writing to formally report an unauthorized account that has been erroneously attributed to my name and to request your assistance in resolving this matter. 

I recently discovered that a Southwest credit card account has been reported on my credit report, which I did not authorize. I promptly reported this issue to Chase, the issuing bank for the credit card. However, they have failed to remove the account from my credit report, stating that the account is valid based on a phone verification process.

I want to bring to your attention that the phone number ending in XXXX, which Chase referenced during their verification process, is a landline. This verification could not have been conducted with me, as my current cell phone number is XXXX. Therefore, I believe that the verification process was flawed and did not accurately confirm my identity or consent.

I demand that the Southwest credit card account be reported as fraudulent and removed from my name and credit report. This account does not belong to me, and its presence on my credit report is causing me significant distress and potential harm to my creditworthiness. 

Please investigate this matter thoroughly and take the necessary steps to rectify this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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. (MI)

The credit Bureaus claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. 
XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-09-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (IL)

The company Kimball, Tyree and Saint John are claiming that I owe unpaid rent to a company called XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  concerning an apartment located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX California XXXX. Unfortunately I've contacted the debt collection agency, Kimball Tyree, and Saint John, numerous times to discuss this and inform them that this alleged unpaid rent had been paid through a covid-19 hardship rent relief program. I am also forwarding this information as well, to the attorney general, and they can look through the databases and confirm that this debt has in fact, been paid. So the debt collection agency is attempting to collect a debt twice, which is fraud. So, I am going to also report this to the authorities as well as a fraudulent misrepresentation, and assertion of invalid debt. As a result of this, there will also potentially be legal action that I take since the debt collection agency is refusing to abide by my request that first of all, this debt is disputed, therefore, is not something that should be represented on my credit report and also that their failure to communicate with me is also an act and omission in their duties as debtors under the Fair Credit Reporting Act and other respective legislation set in place to help consumers. 

Open Kimball XXXX XXXX XXXX to me 17 minutes agoDetails Account Information Address XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$20000.00} Date Updated XX/XX/XXXX High Balance {$20000.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Past Due {$20000.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
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. (NY)

I have disputed a XXXX thats been reporting on my report for several years!!! This is the only credit bureau reporting incorrect information. This is ruining my life. I have requested to have it removed several times
Consumer complaint received 2024-09-18
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Dear, CFPB All XXXX Credit Bureaus, XXXX, XXXX, TransUnion have used my account XXXX XXXX XXXX for Employment purposes. If you look at the the remarks from each credit bureau they are all listed different. Across all 3 bureaus the information should be the same Paid and closed in the remarks section. CFPB this is clearly a violation under the Fair Credit Reporting Act. If these companies can't reflect the same information in the remarks box paid and closed, then I want this account deleted from my credit report due to inaccurate information. 

Sincerely,
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

First time ever filing a claim with this bank. I had a fraudulent transaction mid day on the XXXX XXXX XXXX XXXX filed a fraud claim 10 minutes later, had my card cancelled and a new pin and card sent out all on the XXXX. 
I have spoken with people at the bank in the meantime of the 10 business day period, who have assured that all information needed is completed, the claim is currently in processing, and assure me that the provisional credit will be in my account by at most 10 business days after filing. 

I call in on day 10 with mild confusion, having not received any notice or contact about my claim, or credit in my account, they assert the claim wasnt filed properly, no fraud claim manager has even opened the claim, and told by a supervisors supervisor that no one has even been assigned to it. After explaining that this was the 10th day and being informed that due to the time nothing can be done until tomorrow, we will pass the 10th business day. Banking managers attempted to convince me to wait another 2-3 business days, as they refile the claim they failed to file on the XXXX. 
US BANK representatives also have conflicting information, such as Saturdays counting as business days, then they dont ; claim has been filed, then it hasnt ; credit is applied through automated system, then told its a manual case review. 

I have tried contacting many different levels of management at US BANK, who mostly tell me they are unable to view the entire case and I will need to speak to a different person, who passes me on again
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREENSKY OPERATIONS, LLC (FL)

GreenSky LLC used merchants to promote and offer financing to customers before making immediate lending decisions based on criteria provided by its partner banks.

Proceeds from GreenSky 's load did bypass the consumer and was disbursed directly to merchant XXXX following the merchant 's application for payment. In violation of the CFPA GreenSky engaged in unfair practices such as processing and servicing unauthorized loans and structuring the GreenSky Program to enable unauthorized loans. The consumer did not authorize the payment to merchant at fault. GreenSky failed to implement adequate merchant training and oversight and neglected to manage consumer complaints. 
The consumer did not receive billing statements, collection letters and calls from the company. The consumer found a 'delinquent ' entry in his credit reports listing GreenSky.

GreenSky shall be ordered to cancel or refund, pay a civil penalty, and take steps to prevent future issues.

Evidence : Demand Letter 1 send via traceable courier services to merchant XXXX : The undersigned reserved the right to reject products discovered to be defective within the stipulated returns period. The failure of XXXX to issue a refund or replacement can become a court case. All efforts proved unsatisfactory. 
Demand Letter 2 send via traceable courier services to merchant XXXX : This 2nd demand letter is a friendly reminder to our 1st demand letter dated XX/XX/2023, stating facts : XXXX warranty dishonor and XXXX product defects. 
The undersigned reserved the right to reject products discovered to be defective within the stipulated returns period. The failure of XXXX to issue a refund or replacement can become a court case. All efforts proved unsatisfactory.

Demand Letter 3 send via traceable courier services to merchant XXXX : XXXX is in default with the refund of the original purchase price the undersigned customer paid to XXXX { XXXX ID # XXXX ).
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/XXXX I requested an acount be investigated for inaccuracies and to be deleted as it is violating my rights by being reported inaccurate. On XX/XX/XXXX i received an update stating in has been validated to be accurate. I did not receive any documents concerning this validation. I do not have a copy of the account contract as well as the account was charged off and is showing a past due balance but also reports as being written off. The credit reporting agency did not do an actual verification. And account is negatively impacting me because of there negligence. The account in question is XXXX XXXX, account number is XXXX and it was charged off as of XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my report. The inquiry, dated XX/XX/XXXX, raised serious concerns since I had no prior dealings with this company. In response, I requested a detailed explanation, proof of my authorization, and the removal of the inquiry if it was, in fact, unauthorized. 
I emphasized the importance of accuracy in corporate names within legal and financial documents. Even minor errors in the name of an entity can lead to significant financial and legal issues. Furthermore, I stressed the need for companies to safeguard personal information and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). These standards are crucial in protecting consumers and maintaining trust in the credit reporting system. 
Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. My experience highlights the importance of vigilance in monitoring credit reports and the need for accountability in credit reporting agencies. I share this in the hope that it helps others who may face similar situations with unauthorized credit inquiries or challenges with consumer reporting agencies.
Consumer complaint received 2024-10-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aargon Agency, Inc. (MI)

AARGON AGENCY INC Is once again proving how much manipulation they are willing to report to collect debt that is not owed. After providing proof that consumer was nowhere near area AARGON AGENCY INC stated The last payment made for the services was XX/XX/year> attempting to say that nonpayments made for a year somehow came out to {$1100.00}. The reality is payment were made but XXXX has no issue reporting false information just as proven with the correct lease shown. This is false information just like there verification that the sent the debt to the correct address was false information just as there statement of when I moved into my correct address was false information. They believe if they investigate themselves it changes that they continue to report whatever they see as fitting