davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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. (IL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-11
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. (IL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Albert Corporation (FL)

I had paid back my advance which they got the money back and was able to get another advance for XXXX dollars my account was overdrafted but if I look at ally transactions there's nowhere stating that XXXX in overdrafts anywhere that they til me to look at I've sent all screenshots of my account to them and u can see that no where on my account shows where and why my account is now XXXX for XXXX loan that was paid back I asked for my account info showing me a breakdown they keep telling me to look I have and nothing is there showing any breakdown of this so called transaction it's making no sense when u look at it it shows i paid it .pls help I feel lile they dont wan na help fix the problem.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A soction 2 ; It also states a consumer reporting agenes eannot fumish a aceount withont my written instructions. 15 D.S.C 168le. ( aN.5 ) section status : no consumer reporting ageny may make sy consuser rept Conainnny ofte foloning here of informatiun an other advore cen of inforution other than reourls of convictions of crimes winch antedates the renor by more than teren yan . IS US.C loSTs-2 ( Alo ) A person shall nol furnesh any informagon gons say couss repine aneney if the purson knows or lans remonable couse to 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 XXXXXX/XX/year>
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

I made a transfer of {$190.00} with a transfer fee of {$1.00} amounting to a total charge of {$190.00} on XX/XX/year> to my mom in The XXXX. The expected date for the transfer to be available was XXXX XX/XX/year>. The funds are still not available today XXXX XX/XX/year>. My first step was to ask my mom to communicate with the receiver bank and they stated no funds are available from XXXX to honor this transaction. I contacted XXXX through various means but I was not successful in getting a case started until XXXX XX/XX/year>. I provided them the reference number of the transaction, amount, name of receiver, bank account number of receiver, and bank name. I received an update today ( XXXX XX/XX/year> ) with information that contradicts itself. The message stated they indeed found an error with my transfer. However the funds were deposited but I was also entitled to a refund of only the transfer fee of {$1.00}. I called and spoke to an agent who said as far as they are concerned, the funds are deposited and there is nothing they can do for me. The funds are indeed not deposited and I would like someone to help me get my money back.
Consumer complaint received 2024-08-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (AZ)

I disputed this on my credit report and this has caused my score to drop causing my insurance rates to increase I asked for them to provide me a copy of the contract that has my signature on it and they failed to do so and they said that it would remain i submitted another dispute as well because it is impossible that I opened an account with XXXX at the time they say that I had an account with them I have had XXXX XXXX XXXX since XX/XX/year> and I have been using XXXX XXXX XXXX then and I have internet with XXXX and my internet service and phone service are all current so I dont understand how they are saying that I have service with XXXX and that I owe them XXXX dollars I feel they have made a mistake and are unwilling to correct it but XXXXm on a fixed income and this has caused my car insurance to increase to the point that I had to let it go and I have to get rides with my friends and neighbors to get groceries and I have been very independent all of my life and now I dont feel like a human being anymore because I have to rely on other people to drive me around and I have a perfectly good car in my driveway and I cant even drive it because of this and I feel that if they dont remove it I will have no choice but to contact an attorney and sue for damages and suffering all I want is to get my credit back on track and I was almost there my report would have been clear in XXXX and I would be able to afford to get car insurance again but now they are putting stuff on my credit that is not mine and wont correct their mistake
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have spoken with this company monthly since XX/XX/XXXX up to XX/XX/XXXX when 'suddenly ' their 'upcoming payment reminders ' stopped coming to my email address. I last called on XX/XX/XXXX, when the answering representative said please hold I am transferring you to our collections department. My complaint is several : 1 ) Capital One removed their automatic reminders from customer 's email of the upcoming payment due date 2 ) Capital One is trying to forcibly make consumers allow them to access their bank accounts regular with pushing for AUTOMATIC DEBIT PAYMENTS 3 ) Capital One has REMOVED their direct messenger from the App as not to have to receive and respond to consumers ' complaints/concerns.

4 ) Capital One reported my payment past due AFTER NOT SENDING REMINDERS to the Credit Bureaus on XX/XX/XXXX, which caused a deduction of XXXX points! on my score. 
5 ) Capital One reported ANOTHER last incident for the same late payment to the Credit Bureaus which impacted my score negatively XXXX more points. 
6 ) Then Capital One -- SENT A NOTIFICATION EMAIL TO THE EMAIL THAT THEY CLAIM THAT THEY NO LONGER HAVE to request that I complete a SURVEY for recommending family and friends for their product : XXXX XXXX
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (GA)

I purchased my XXXX vehicle from Carvana. Their site is very good at showing the flaws with vehicles before purchasing as well as providing a XXXX point inspection report. However, I have discovered they have an internal detailed inspection report that is not available to consumers and is not on their website. The issue is the vehicle I purchased had a crack in the windshield. I called Carvana and was told there was nothing they could do even though I was in the XXXX  day return window. This was my XXXX vehicle as the first was owned by a smoker and not disclosed so I replaced with this one. My complaint is that Carvana deceives their customers by not disclosing the internal inspection report which would have disclosed the windshield did have a crack but had been filled with silicone to stop the spreading. The issue is that it's an obvious crack and 99 %, if not 100 % of consumers would not pay $ XXXX for a truck with a cracked windshield if they were aware of it before purchasing. Carvana advertises in a deceptive practice where they disclose only information that would not prevent a consumer from purchasing. I was offered to exchange again, as is in my agreement, but this would be my final delivery and if the XXXX vehicle had any issues, I would be stuck with it, as that is their policy. XXXX of the ladies told me to file with my insurance company. I advised her that would be insurance fraud since this was pre-existing damage. Their calls are recorded and this can be confirmed along with all conversations I initiated to try and reasonably rectify this problem.
Consumer complaint received 2024-06-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX, I received an email from XXXX Bank showing that I owed {$42.00}. I called and found out that it was from a shoppers club. I explained that I did not make this charge. After several phone calls transferring me to supervisors, the calls continued to drop. Finally on XX/XX/XXXX, we got XXXX who transferred me to XXXX. Eventually on XX/XX/XXXX, I did speak to XXXX. She told me that she understood. She said the charge and the late fee would be refunded and that we have {$0.00} balance. 
XXXX XXXX, another {$18.00} charge for, no one knows. Spoke to XXXX and she stated that she would investigate. It would take up to XXXX days. However, I would still be charged for the late fees! 
We continued to receive letters that they were researching. On XX/XX/XXXX, we received a letter notification that the XXXX XXXX fee was valid. We continued to call. You will see that XX/XX/XXXX, that they are still trying to resolve the issue which will be resolved in XXXX days. We received letters showing different amounts owed. Then we received nothing more. Until XX/XX/XXXX with another different amount. Spoke to several more representatives who transferred and transferred and transferred with nothing being accomplished. We talked to dispute centers & fraud center. All promising to take off the balance to then get a bill in the mail. The letters were please XXXX, we need to resolve this! Call and were told we sent no such letter! Continued to receive letters but by this time my anxiety and XXXX XXXX were too much to deal with it. I have XXXX. This XXXX causes severe XXXX XXXXs and pain. Especially, when Im stressed. In XXXX, I was in the XXXX  in severe pain from these phone calls. I just could not handle it anymore. 
This has severely affected my credit report! We spoke to a lawyer and he advised us that this should be our XXXX step. 
As you can see from the uploads, we continue to get bills. We have received no letters from the investigation. Please help us!
Consumer complaint received 2024-06-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

This debt does not belong to me infact, the name and socal security numbers are mine in any shape of form. Someone is using my credit profile. I have asked for verifiable information and informed them that I am a victim of identity theft.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I was an authorized user on a USAA credit card account. This account was opened in XXXX of XXXX. The account was charged off in XXXX of XXXX and settled in XXXX of XXXX. I have requested removal of this account from my credit report however all USAA did was update it to reflect that the charge off was settled. I have made multiple requests and still it remains.
Consumer complaint received 2024-06-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IL)

This debt collection company has been falsely reporting payment on my credit report. I was never associated with the number they have on file for me. Also, the mailing address they associated with me I have not used since I was in high school. At the time I was XXXX  and was unable to open any account by myself. My current address is the proper address I have resided for over XXXX  years. Below I will submit all documents that show proof of who I am and my address.
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Upgrade, Inc. (TX)

This person found me on a dating site in XXXX of XXXX and faked his identity. His name is either XXXX XXXX or XXXX XXXX, XXXX XXXX XXXX, from XXXX, XXXX but said he was a XXXX male, XXXX XXXX XXXX from XXXX, TX. He also sent me many fake photos and even a fake photo of his " sick '' daughter. We became close over many months and he started asking me for money for " job related needs '' as well as money for his " sick daughter ''. He took advantage of my kindness and played off my empathy. I sent him money in the form of gift cards and XXXX. The whole time he was giving me promises that he would pay me back. He used me, manipulated me, and abused me mentally, financially and emotionally. Everything out of his mouth was a lie from the beginning. 

Please refer to the attached letter for more details.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (CA)

I received a credit alert from XXXX saying I have a delinquent unpaid account of {$1200.00} from XXXX XXXX XXXX. I don't remember having an account with XXXX XXXX. I monitor all my financial transactions and obligations and I don't know XXXX XXXX. I believed this is identity theft and somebody is using my information to obtain/apply credit card under my name. Please review and remedy. Please reach out to me if you have further questions. ( XXXX ) XXXX. Thank you and have a nice day. 

XXXX XXXX
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: DHI Mortgage Company (UT)

When I closed on my new townhome on XX/XX/XXXX, I was told that the mortgage payment would be {$2000.00} which included the escrow payment. I was told that the escrow payment would be {$43.00} and that that was an estimated amount provided by DR Horton for the next year. This was nothing new to me as I have owned a few other homes previously and understood the role of an escrow account. 

Well, come XX/XX/XXXX, I receive a notice from my mortgage company about an escrow shortage. Again, nothing that I am not already familiar with as you usually have to pay a little to make up the small difference or get a return ( or roll/distribute it into your next year 's payments ). However, I was shocked to see how big of a deficit it was ( {$2800.00} )! The new escrow estimate for the next year was {$220.00} + the shortage making my mortgage payment to {$2400.00} per month! 

I called the XXXX XXXX XXXX XXXX and asked him if the property taxes were correct as that seemed to be where the deficit came from. He explained to me that DR Horton did not do as they are supposed to and that they see this with builders often to help people qualify for homes. The builder , DR Horton, was supposed to call the assessor 's office prior to closing on the mortgage to get an estimate with the home build on the property and add that as the estimate for the property taxes in the escrow. He said that instead they went off of the property taxes that they paid for the LAND ONLY the previous year. Of course, the land vs land and a home built on it would be a big difference in property taxes. Due to this, I have struggled to pay my mortgage payment and it has caused unnecessary stress in my life.
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (OH)

This collection has been removed from my report in the past, but now it has reappeared. This account was found to be inaccurate through my dispute through XXXX XXXX. When I attempted to receive my full account number through this debt collector and additional information about this account once I noticed it back on my credit report and they would not give me the details. I am trying to purchase a home, and need this debt removed ASAP.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

on XXXX, capital closed my accounts based on a report they recvied from XXXX XXXX 
I reached out to the bank many times and I shared supported documentations. for example they have on hold my XXXX  ( XXXX  ) amount. 

and due to the importance of these funds I tried to escalate to expedite the process with the bank, but I never received an update or phone calls regarding this matter. 

so Kindly, I need to escalate these issue so I can access my funds for the family/kids day to day expenses
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX ) XXXX XXXXXXXX account # : XXXX XXXX ) XXXX XXXX XXXX account # : XXXX These accounts are fraudulent accounts. 

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 an account without my written instructions.
Consumer complaint received 2024-08-21
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)

My information was included in a data breach please delete reported accounts, XXXX, XXXX  XXXX XXXX, and XXXX XXXX XXXX, Equifax, XXXX, XXXX. Disputes were filed on numerous dates.