davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights 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 An 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 2017-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Kohls department store was supposed to send our monthly invoices electronically through email however they made no attempt to send monthly invoices even though we had asked them several times. They then proceeded to charge us {$37.00} per month late fees. We feel that this is a widespread problem with Kohl 's department store and it needs to be addressed as soon as possible. If we were elderly or not knowledgeable regarding this situation others may be at risk. 

XXXX XXXX, XXXX late fees of {$37.00} XXXX XXXX XXXX XXXX late fees of {$37.00} XXXX XXXX, XXXX late fees of {$37.00}
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX CHILDSUPPORT Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
CHILDSUPPORT Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXXCapital One has a late payment on my credit report ; XX/XX/2021 XXXX XXXX XXXX XXXXXXXX has a late payment on my credit report ; XXXX XXXX has a late payment on my credit report as well. Privacy and Consent- There is no law stating that any transaction need to be reported. 

15 US Code 1666B- billing error
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

During XXXX I was receiving a monthly Advance Child Tax Credit stimulus check on behalf of my children. At the time I was unemployed, and XXXX to pay for things. I was having financial issues due to the pandemic. At the end of XX/XX/XXXX and XX/XX/XXXX my Wells Fargo checking account overdrafted just before my monthly stimulus check deposited. In response to this issue, Wells Fargo sent an email on XX/XX/XXXX and XX/XX/XXXX stating Because your account had a negative balance on the day before the deposit of a stimulus payment, we have refunded any deposit account fees that were part of the negative balance to help you have access to your stimulus payment. If there was still a negative balance after any fee refund, we also provided a temporary credit to your account for that amount. 

What this means to you A temporary credit is not a waiver of the amount owed. If you received a temporary credit, we will reverse it no earlier than 60 days after it posted to your account. We will send you an advance notice approximately seven days before we reapply the negative balance. Negative account balances remain subject to the terms of your applicable account agreement. 

They deposited approximately {$91.00} in XXXX and approximately {$320.00} in XXXX. Both deposits were unsolicited with no option to opt out of receiving it. There was no communication to ask if I could repay the amounts. Yes, I used the funds after each deposit because I was desperately in need of it. I understood that the cash was a credit. I was under the impression that each amount would be withdrawn 60 days after their deposits. It wouldve been possible for me to repay those deposits if they were withdrawn in that way. Instead, both amounts equaling approximately {$410.00} were simultaneously withdrawn sometime, more than 60 days later, in XXXX. I had no way to repay that within three months time, so subsequently my checking account remained overdrawn for approximately {$410.00}. This led to my account, that had been open since XXXX, to be closed in XX/XX/XXXX.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Axiom Acquisition Ventures, LLC (LA)

CFPB Complaint for Debt Collection Abuses XXXX XXXX XXXX XXXX XXXX XXXX Email Address ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Re : Complaint Regarding Debt Collection Abuses by [ AXIOM ACQUISITION VENTURES LLC ] Dear CFPB, I am writing to file a complaint against [ Name of Debt Collector ] for violations of the Fair Debt Collection Practices Act ( FDCPA ). 
Dispute of Debt I am disputing the validity of a debt that [ AXIOM ACQUISITION VENTURES LLC ] is attempting to collect from me. The alleged debt amount is [ {$0.00} ] and they have not provided any validation of this debt as required by law under 12 CFR 1006.3 ( b ) ( 5 ).

Revocation of Communication Methods I am revoking my consent for [ Name of Debt Collector ] to communicate with me through email, text messages, or phone calls. All future communication must be done in writing and sent to the address listed above.

Requests Debt Validation : I request written validation of the debt, including the original creditor 's name, the amount of the debt, and the date the debt was allegedly incurred. 
Method of Validation : I specifically request the method used for validation, such as a copy of the purchase agreement between the debt collector and the original creditor. 
Proof of Licensure and Bonding : Please furnish documentation proving that [ Name of Debt Collector ] is licensed and bonded as required by 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 12 CFR 1006.34 ( d ).

Violations of the FDCPA Failure to Validate Debt ( 12 CFR 1006.3 ( b ) ( 5 ) : [ AXIOM ACQUISITION VENTURES LLC ] has not provided debt validation as required by law.

False or Misleading Representation ( 15 USC 1681s-2 ( 7 ) ( A ) : They have placed a collection on my credit report without providing validation, which could be seen as a deceptive practice.

Failure to Provide Required Disclosures ( 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ) : They may have furnished the account to a credit reporting agency without providing the required legal disclosures.

Request for Response I request a written response to this complaint within 15 days. Your silence on this matter will be considered an admission of guilt. 
Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Enclosures ( ID AND PROOF OF ADDRESS ) https : //www.consumerfinance.gov/.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Michael J Adams PC (TX)

A Texas receivership garnishment hold was placed on my account from Micheal J Adams PC. I was told by the bank to contact Micheal J Adams PC to address the matter. I have attempted to contact Adams PC several times by phone and email with no response. I would like satisfy the debt and have the hold lifted from my account but I have been unsuccessful in my repeated attempts to make contact with Michael J Adams PC. They are holding XXXX times the amount to satisfy the debt. If the purpose of the hold is for garnishment then I'm not understanding why they won't pull the funds and lift the hold. I just want to get in contact with them.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I contacted XXXX  XXXX XX/XX/2020 stating I did not authorize this inquiry on my credit report.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

Applied for credit card and received a notice for denial of card on XX/XX/XXXX. Chase Bank used my credit to make determination of credit denial. Chase did not provide the credit score that was used in making decision
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I called to increase the limit for a withdrawal out of my Coinbase account from XXXX to XXXX. A person answered and helped to assist me. 

I just noticed that instead of assisting me he stole XXXX XXXX {$9800.00} from my account. 

He initially said he was initiating withdrawal to my bank and I had XXXX XXXX XXXX account and to expect the money shortly. I had no reason to doubt that I was being conned or scammed. 

He disconnected the phone call around XXXX and never answered again. 

His phone number is ( XXXX ) XXXX and he went by the name of XXXX XXXX. 

His location is in XXXX NY Coinbase California, XXXX XXXX, United States XXXX XXXX United States of America California XXXX XXXXXXXXXXXX wwww.coinbase.com Are there any other witnesses or victims to this incident? 
XXXX XXXX XXXX representative was on the phone during the conversation on a 3 way call If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
XXXX Police here in XXXX and XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting my first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX & XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I have finally gotten the opportunity to pull my credit report and I noticed that there are a number of fraudulent inquires on my credit. Names used to pull credit report that are not in anyway associated with me. I also noticed addresses that I do not or have not lived at. I would like these items or things removed from my credit report. Please any assistance would be greatly appreciated.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-10-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AR)

My name is XXXX XXXX in my loan has been bought by LoanCare which is a terrible company to deal with along with the employee. They call me stating that I had a shortage due to the taxes going up in my area I made three separate payments on it in the last payment did not get applied so my mortgage went up I had to call the company several times and every time that I would speak to different representative they would tell me that they applied it which was never the case so LoanCare sends me out another statement saying that I have another shortage due to me changing Insurance Company the shortest was only supposed to be for {$360.00} they sent me a statement saying I owe them a shortage of {$420.00} which I have no clue on how they got the math because my last insurance was only {$870.00} for the year and my new insurance is only XXXX for the year. For the month of XXXX I paid an additional {$100.00} to go towards the {$360.00} shortage they did not apply and also told me that my loan monthly payment was a different amount because the first escrow shortage was n't paid which was incorrect. I have had to call LoanCare so many times and speak with so many different people they will tell you whatever it takes to get you off the phone and not seem to care at all about your loan nor your heart earn money so I spoke with a manager agent ID XXXX from LoanCare I just went on and made the full payment of the last escrow shortage that they told me I had in full so I would not continue to have headaches dealing with this company I really wish I can get my loan transferred to professional company I 've never had this many difficulties dealing with a mortgage company this telling me every other month I have a escrow shortage the mortgage banks already are robbing us blind we 're paying our homes off three times the amount that is worth just in intrest and it really should be against the law.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CARD Corporation (TX)

On XX/XX/2024 I received a new visa debit card with account information for a checking account from Card.com. 

There's a routing and account number on both the letter and the debit card. 

I did not open an account with them and immediately checked my credit reports, which are clean of any fraudulent activity as of right now, XXXX XXXX XXXX 

Calling the phone number provided on the website and the card both kicked me into an automated system that was requesting personal identifying information, which I will not provide to a company that seems to be a scam. 

There are many complaints about this company on XXXX XXXX XXXX about people receiving debit cards for accounts they did not open and the inability to close the account.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Transunion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give Transunion written permission to furnish these accounts 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 2021-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Had XXXX card for gasoline, XXXX discount at pump. XXXX  ended program. First National Bank of Omaha was card issue. Sent new card, not interested in card, never activated, never used. Billed XXXX in fees. Payed fee and closed account on XX/XX/XXXX. Billed again on XX/XX/XXXX for XXXX for fees on card never activated, used or requested. Why is FNBO charging fees on card never activated, used or requested??
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) states that any inaccurate information reported on my credit report can be removed, and also I can be awarded XXXX to XXXX dollars in relief if found that damages have occurred. 

I disputed the information through experian, only to have the information provided further incorrect.the two accounts in question were from XXXX XXXX and they were secured loans, the amount of the loan taken did not exceed the amount in the accounts. 

After I disputed it, it listed the loan as taken in XXXX but that my account was satisfactory in XXXX which is inaccurate due to the loan being taken out in XXXX.