davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the past few weeks I have been unable to get my Transunion consumer report from annual credit report website where I am allowed to get my free consumer report once a week. I enter my information and I keep getting a message saying Transunion is unable to verify my identity. I have been pulling my Transunion consumer reports weekly for the past 3 years and I have never had an issue with my identity being verified. Last month I sent a dispute letter to Transunion which included my government ID and a utility bill which verifies my address. Several times I have called Transunion and they verify that the information they have on file is the same information I am inputting into the annual credit report website when I try to get my consumer report. I have spoken to several reps who have stated that Transunion has nothing to do with annual credit report website which is not true and they also said that I am only allowed to get one free report from annual credit report per year which is also not true. This has been a very frustrating situation and all I want is for Transunion to simply fix this issue so I can pull my Transunion credit report as is my right. I have no issues pulling my XXXX or XXXX reports from annual credit reports website so clearly there is an issue specifically with Transunion. I need this issue to be fixed ASAP. I dont want to have to get one mailed to me. I want to simply be able to go to annual credit reports website and pull my Transunion report. There is absolutely no reason why they cant verify my identity. This seems to be intentional at this point. I sent in the necessary documentation for them to easily verify my identity. I need this issue fixed ASAP. I have attached a screenshot of the message I continually receive when I attempt to get my consumer report.
Consumer complaint received 2024-04-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I received a loan to purchase a vehicle through USAA. In or around XX/XX/XXXX, the vehicle was reported stolen. I filed a police report with the XXXX, XXXX, and XXXX XXXX XXXXXXXX. The vehicle was later spotted by the police and a pursuit ensued eventually concluding with the vehicle being wrecked. The vehicle was totalled. As the vehicle was financed, I was required to have full coverage. Additionally, please see Nevada state law concerning theft of a vehicle : XXXX. XXXX The owner or bailee of a vehicle is ordinarily not, as a matter of law, liable for injuries caused by the negligent operation of the vehicle by a stranger who steals the car. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, I was required to have XXXX insurance. Therefore, this debt is invalid.
Consumer complaint received 2024-03-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

I found out that there was a collection from Genesis regarding XXXX apartments in XXXX through XXXX XXXX. 

I received an initial notice from Genesis on XX/XX/XXXX via email to XXXX. Reference # XXXX. It stated I had an agreement with XXXX at XXXX regarding apartment # XXXX in XXXX XXXX, Nevada. There were no attachments of the agreement, contract, or proof that I moved in. 

I responded on XX/XX/XXXX stating I received their email and to please send a copy of the contract as I did not receive it and never entered into any contract for moving into this apartment. Therefore, I dispute this debt. 

On the XX/XX/XXXX, Genesis sent me an email with a summary of move out charges with a move out date of XX/XX/XXXX and the application. The application shows that I paid {$60.00} for a tenant screening report and was only in their portal as a prospective tenant for XX/XX/XXXX and XX/XX/XXXX of XXXX. I did not receive a copy of my tenant screening report. At that time I was denied because I needed to make XXXX x rent and was working as a temp during covid. I continued to rent my house and did not downsize at that time. 

Numerous other emails and phone calls to both Genesis, XXXX, and XXXX have not resulted in any true validation nor concern for this false and very misleading data on my credit report. It is very disturbing to know that XXXX continues to use underhanded and incorrect false statements without full disclosure.
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

My loan was sold to Roundpoint Mtg. It was already impounded. I received some letters regarding my insurance but I did not respond since my account was impounded and they make the payment for me. Roundpoint needed the declaration page of my insurance to make the insurance payment. They had the insurance information ( who my insurance company was etc ) so I assumed they would call the insurance company. My insurance company had not ever changed. Roundpoint didnt call the insurance company and they didn't call me. Roundpoint did nothing and let my homeowner 's insurance lapse and then force placed their own insurance on my loan. This force placed insurance only covers my dwelling, not any contents of my home. I also live in a very high wild fire area, so now my property is at risk. My previous insurance was at a good premium because I was grandfathered in. Since the insurance lapsed, I had to look for other insurance and consequently have to pay and additional {$1600.00} per year now for the new insurance. I have requested that Roundpoint close my escrow account and I will pay my own taxes and insurance. I do not trust them to pay my insurance for me. This could all be avoided if they would have simply called the insurance company themselves and got the information needed. They said they will not closed my impound account because I had a lapse in my insurance! A lapse they caused! They can't close the impound account until they receive my new insurance information, which I am in the process of doing right now. Then my request to close my impound account will need to be reviewed. I want to be assured my request will be granted since this all could have been avoided if they had only called the insurance company.
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: A & O Recovery Solutions, LLC (OH)

A man by name of XXXX XXXX, claiming he is an attorney for the XXXX. I called the number back and it says CCI. He keeps calling me harassing me about a debt he is saying my father owned from being in the XXXX XXXXI previously told him that my father had Medicaid and Medicare. I asked him to please stop calling me. 
He continues to call me harassing me, cussing me out, yelling, calling me incompetent an threatening me. 
He also left a very nasty message and continues to call and be very disrespectful. 
He calls from different numbers XXXX, XXXX, XXXX, XXXX, or a private number. I am going to file harrassment charges if this continues.
Consumer complaint received 2023-09-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (KS)

So I contacted XXXX and I wanted to get original copy of the contract. They told me that I need to contact auto now which is a car company in Kansas City Missouri that is now out of business so I have no way of getting the original contract. They just told me to pay.. That was my only option.
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (CA)

SS # XXXX XXXX XXXX Passport # XXXX Todays date XXXX My name is XXXX XXXX XXXX XXXX XXXX HAVE DISPUTED THIS FRAUD ACCOUNT MULTIPLE TIMES XXXX DEMANDING A DELETION OF THIS WHOLE ACCOUNT ACCOUNT NAME CONTRACT CALLERS INC ACCOUNT # XXXX I ASK FOR AN ORIGINAL PURCHASE AGREEMENT THAT INCLUDES XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX, & XXXX XXXX XXXX XXXX XXXX THE CONTRACT TOGETHER. That has not been provided, I ASK COMPANY THE TO PROVIDE VALIDATION OF DEBT FOR I HAVE NOT SIGNED AN AGREEMENT WITH CONTRACT CALLERS INC CONTRACT CALLERS INC HAS SENT ME A LETTER THAT DOES NOT PROVIDE SUFFICIENT INFORMATION THE LETTER DOES INCLUDE ORIGINAL-PURCHASE CONTACT the debt is not mine!!! 
DUE TO THIS FACT THIS ACCOUNT MUST BE REMOVED AND DELETED IMMEDIATELY XXXX XXXX Code XXXX - Purchase agreements XXXX XXXX Code XXXX - Validation of debts XXXX XXXX Code XXXX - False or misleading representations XXXX XXXX Code XXXX Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

I am writing to dispute a fraudulent charge on my account in the amount of $ XXXX. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b
Consumer complaint received 2023-04-29
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. (FL)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according I 15 USC 1681 ( 5 ) : I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX. XXXX. and transunion did not modify or removed anything. 
The date open are not correct, date last active are not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family, Buying a car and getting business loans for my business. 
These are the following accounts that were not removed. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX  XXXX BANK Account # XXXX. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Applied Business Services, Inc. (CO)

Upon reviewing my credit report, I was shocked to discover an account that I have no knowledge of and did not open. The account is listed under my name and I have no connection to it whatsoever. After further investigation, it became clear that this is not my credit account and someone has opened it using my personal information without my consent. I have no idea who could have done this and it is concerning that my identity may have been stolen. I will be taking immediate steps to report this fraudulent account and protect my credit and personal information. It is unfortunate that I am now faced with the repercussions of someone else 's actions and I will do everything in my power to rectify this situation.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Debt Consolidation (FL)

Today like most every single day a man will call and say " XXXX XXXX XXXX XXXX XXXX '' I'll say something like " XXXX '' then they will announce that are from Amican debt consolidators and subsequently ask me " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' At first I simply asked to be put kn the " XXXX XXXX XXXX XXXX '' then I'll recieve an answer like " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I'll repeat " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' then they hang up and the next day I get the same call. This has happened over XXXX times! 
I have tried becoming increasingly rude but to no avail. Please help, if possible I would sue them for harassment as this takes my time and focus daily! Please help me force them to stop calling, thank you kindly.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (TN)

On Friday XX/XX/XXXX, I lost my Chime card at a grocery store and did not realize the card was missing until several hours later when I went to use the card at a convenience store. Two unauthorized charges were made using my card during the time I was unaware the card was not in my possession : XXXX XX/XX/XXXX XXXX {$120.00} and XXXX XXXX {$140.00}. When I discovered the card was missing, at approximately XXXX I transferred my entire balance to my wife 's account to prevent additional unauthorized transactions from occurring until I could get home for her to assist me with reporting the card lost/stolen. 
Once the transactions fully posted Chime " investigated '' the lost/stolen/unauthorized use claim and 10 days later advised the claim was denied due to " no error found ''. I immediately requested the supporting documentation used to assist Chime with their " investigation '', no documentation was ever provided. 
Furthermore, when I contacted Chime verbally XX/XX/XXXX the representative advised she could not assist with the reason for denial other than " no error was found '' as she was not the one who had completed the investigation. A rebuttal was opened during this conversation but since no additional information could be provided other than the card being lost/stolen I have low expectations that the claim will be properly investigated and decisioned for what it is, fraud. 
Dispute ID XXXX
Consumer complaint received 2023-04-29
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. (IL)

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. 

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 The Following Inquires are a violation of my consumer rights : 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 XXXX XXXX XXXX XXXX XXXXXXXX The following addresses are also in violation of my consumer rights : XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1979 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

They sold my information and arent without my consent..I asked them for a 1099 since they charged off the account and they never provided it..they added fees that I dont even know where they are coming from and are outrageous..
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OneMain Finance Corporation (VA)

I purchased insurance thru this company that they said I needed and it will be returned at the end of the loan. Well I paid off 3 different loans a never received a dime yet. Over the past years I now get an garnishment of my wages of something over XXXX old. I've requested information on this and never got anything.
Consumer complaint received 2024-04-28
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. (TN)

accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I signed up for a Capital One Quick Silver Credit card, and got approved. The reason I chose this credit card was because I saw the advertised New cardmember bonus which would reward you {$200.00} if you spent {$500.00} in the first 3 months of owning this card. I signed up and turns out I didn't get the Newcard member bonus. So I called them and they explained that basically based on my credit score, I didn't receive the bonus. But nothing in the disclosures of this benefit says anything about not receiving the full benefits of the advertised {$200.00} Newcard member bonus. All it says and I fully read it, is that if you already have or have previously had a Captial one account you may not be eligible for this bonus. I never had a Capital one Credit card or account this is my first time. So they lied, made it up probably that it was cause of my credit score that I did not receive the bonus. I was unfairly denied the newcard member bonus. I should have received this benefit as it was advertised and I fell under the requirement which is being a new member. But I did not receive the bonus. I want to have the bonus that was clearly advertised as so, and also did not state that certain conditions apply in the advertisement. Just it saying new members get a {$200.00} bonus if they spend {$500.00} within the first 3 months of owning the credit card.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX XXXX XXXX and XXXX XXXX XXXX Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX XXXX XXXX and XXXX XXXX XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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