davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
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. (NJ)

I AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX XXXX XXXX XXXX, IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.
Consumer complaint received 2020-02-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (NY)

I returned a XXXX XXXX to GM Financial in XX/XX/2019. 

At the end of the lease, in order to ensure that everything was properly terminated, I called GM Financial personally, and spoke with an agent who informed me that everything was paid up and the account would be closed. 

She made no mentioned whatsoever about any post lease charges or fees, and not being an expert in the details of car leases and terminations, I took her word for it. 

Without my knowledge, there was a charge that did pop up after the lease was terminated, even though the agent gave the impression we were settled. 

The company claims to have sent a letter in XX/XX/2019 and to have attempted to call, though I received no such letters or calls. The number they had on file was incorrect and I get so many letters from them, it's very hard to keep up with which are important and which aren't. 

Today, I discovered on my own, that this charge was outstanding. When I called, I spoke with a man named XXXX # XXXX. He was unhelpful, and hid behind technicalities of lease termination, of which I know nothing about, when defending the behavior of his company. He did admit that no letters were sent since XX/XX/2019. And all the while, they have been accepting a lease payment on another vehicle. 

So - for over a year, I have had an outstanding balance and all the while they have made little to no effort to get in touch with me and have accepted my payments on another vehicle. 

The moment I was made aware of this outstanding balance, I immediately paid it off. 

I would like all negative comments or marks on my credit reports related to this incident to be completely removed and expunged. 

Thank you.
Consumer complaint received 2020-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation (PA)

On or about XX/XX/XXXX someone used my social security number and or identity to call an ambulance the ambulance or the hospital never questioned identity just my social security number and now I am receiving a bell for {$1100.00} on my credit report this that is not mine
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

on XX/XX/2023 we attempted to call USAA to resolve an account that was overdrawn. After being out of the country for 2 months, my family and I returned to see that our account was frozen, information changed to reflect us residing in California, and no one notified us. When we called, we were told that a " through investigation was done and it showed that the transactions occurred in our general area '' ie California, not Texas. My husband and I were never called, nor were notified by mail of any of these changes. The stated that they should have, although we have no record of a call from them. The only thing that was sent to us, which we did not have access to, was an email. We were told that we are out of luck and will have to bring the account current prior to accessing any additional funds.
Consumer complaint received 2019-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened my Citi checking account under a promotion that said you would receive XXXX XXXX XXXX XXXX miles for fulfilling certain terms. I completed terms immediately ( spend at least {$400.00} on your Citibank debit or ATM card within 60 days of account opening and download the Citi XXXX app and log into your new account ) and then was supposed to receive miles 90 days after completing activities. I should have received the miles on XX/XX/XXXX, but Citi randomly closed the account on XX/XX/XXXX without my authorization and then denied my dispute for the promotion because they said my account was closed ( they also cited incorrect promotion requirements in the denial letter ). On top of this, they charged my a {$25.00} on XX/XX/XXXX and then closed my account a day later on XX/XX/XXXX. They said they couldn't refund me the monthly fee because the account was closed. But this seems pretty ridiculous, to close my account a day after the fee being charged and then saying i can't get refunded because the account is closed. 

Also! My husband opened an account under the exact same promotion, did the exact same things I did to meet the requirements, and he was able to get the promotional miles and the first monthly fee refunded as they never closed his account without permission. This is infuriating that a bank that took bailout money ( taxpayer money ) could then just take money from me like this.
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (OK)

LVNV is reporting to XXXX that I owe a debt that was included in Bankruptcy. I do not owe this debt. This debt have also been charged off. I believe this debt is much older than it is being reported.
Consumer complaint received 2019-12-04
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2019 RE : Hard Credit Inquiry Removal Request I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/2019, I received a copy of my credit report and became aware of many inquiries that I did not authorize. They are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card 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 Card 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 Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is XXXX and my telephone number is ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/2019
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

The negative items in my file have been updated due to the CFPB breach and this is a violation of code 1681 I. Please remove the following items. Capital One late pay, XXXX XXXX XXXX account that says its in collections. Thank you
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (UT)

I've been a customer of coinbase for over 2 years. In XXXX I deposited {$1000.00} and then I got an email saying I'm no longer eligible for coinbase. I am to sell all assets and cash out to linked bank. Well the linked bank is closed and I'vebeen waiting for a response since XXXX from support and I keep getting the run around XXXX # XXXX
Consumer complaint received 2023-05-12
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. (NY)

Please review my identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2020-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I encountered someone who needed help because he was traveling without his wallet. His relatives wanted to send him cash but he had no ID. He had his uncle and another friend send me Paypal payments and I turned them into cash for him. Once I confirmed that the payments were in my Paypal, I gave him the money. I checked the emails carefully to make sure they were real and verified the balance in my Paypal account. A week later, Paypal started sending me messages that the charges were being disputed. I logged in and reported that I had given the cash to the individual and what had happened. I would not have given the cash if I could not rely on Paypal 's emails " You've Got Money '' and triple checked that I had the cash with no associated fraudulent transaction. Once I investigated later, I see that this is a common scam that Paypal is susceptible to. However, I do not have the fraud prevention department and other controls that Paypal does. It was unavoidable on my part and for Paypal to go after me instead of investigating the fraud and going after the sender or the fraudster is unfair to me. If Paypal does not have sufficient controls to detect unauthorized use of a Paypal account, that's not my fault. I relied on their email " You've Got Money ''.

I relayed all this in my timely response to Paypal 's request for more information. I also relayed this to the  collection agent at Paypal ( XXXX XXXX ) but she just wanted me to pay the bill. No one seems to be interested in the perpetrator ( I have his name and phone number ) of the fraud or the sending Paypal accountholder 's role in this. What is to stop XXXX XXXX and XXXX XXXX from simply claiming they didn't mean to send me the money? They may not be victims but conspirators. I have no idea but it's not on me to investigate when Paypal said " You've Got Money. '' I have attached one of the " You've Got Money '' emails, the collection email and a list of the disputed transactions from XXXX XXXX and XXXX XXXX. I also want to state that despite what XXXX from Collections states, just because the credit card charged back Paypal ( I have no evidence of this ) does not mean that Paypal can charge me back. I did not accept credit cards. I accepted Paypal and relied on their good word. I am not part of the fraud and I should not be the victim.
Consumer complaint received 2019-01-28
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. (NC)

I recently received a copy of my credit report and noticed fraudulent accounts listed on my credit report. I am a victim of identity fraud and my information was obtained to open fraudulent accounts. I request this fraudulent information be blocked immediately.
Consumer complaint received 2019-01-28
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. (CA)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.
Consumer complaint received 2020-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (WI)

I received my first letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX saying that I owed my XXXX account {$58.00} and that I had 30 days to pay this amount. I called my XXXX account and they I spoke to an agent named XXXX and he said I did not have any outstanding bills and that he would check into it. I never heard anything more so I filed the letter away. 
Then on XX/XX/2019 I received another letter this time from a company called SIMM Associates , inc . They said I am responsible for the amount of {$58.00} When I called them to find out what it was about the women on the phone had me verify my name, address, and she wanted me to do my email address next and it did not match! So we could not go any further and she was not any help. I told her it was a mistake and she said she could not help me. So then I decided to do some more investigating on my own. I ended up calling XXXX and found out that some used my name sold something to someone took the money and never gave the person anything! I have never sold anything on XXXX! So How can you help me. I reported this to Identiy theft.gov. 
XXXX XXXX
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Problem : Capital One sent negative status ( unpaid bill ) to all credit reporting agencies WITHOUT providing any notification to me. Negative report shows incorrect balance of {$220.00} & unpaid balance. My account was paid in full on XX/XX/XXXX ( {$140.00} was the only amount listed in my final bill statement-closed XX/XX/XXXX - which I did not receive until XX/XX/XXXX ). 

Capital One FAILED & REFUSED to provide my final bill statement per my XX/XX/XXXX & XX/XX/XXXX phone call requests. 

History : XX/XX/XXXX call : My online account requested security confirmation for access. I could not use my phone no. on file for user confirmation - since it was inactive. Fraud Protection Rep was unable to send a security text to my VALID cell phone ( on file on two previous accounts ). After providing many key personal information rep still refused to give me online access or other security options. I refused rep 's request to send him my photo ID so I closed my account. Rep AGREED - but FAILED to mail my final bill statement to my address ( ON FILE FOR YEARS ) - as I requested. 

XX/XX/XXXX XX/XX/XXXX calls : I made four calls to Customer Service. They said my account was blocked & I was transferred from one rep to another. After providing many key personal information to a Specialist Rep - the rep again refused to send me my bill to my address ( ON FILE ) per my request unless I sent a photo ID. A CS Supervisor finally AGREED to mail me my bill - but I suspect he was prevented from doing so. 

XX/XX/XXXX fax & mail : I faxed & mailed four complaints to Customer Service & Fraud Protection Depts. 

XX/XX/XXXX mail : I finally received my final bill statement & paid it off on XX/XX/XXXX. 

XX/XX/XXXX : After all of the above communicated complaints & w/ no other notices Capital One still proceeded to send a negative status to the credit reporting agencies.
Consumer complaint received 2020-02-27
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. (GA)

Hello I'm writing to ask about the removal of these address inaccuracies from my report. i live at XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX any other spellings are inaccurate my number is XXXX any other number is inaccurate. 







XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are both inaccurate
Consumer complaint received 2024-03-13
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I want my Extended Fraud Alert on my XXXX, Equifax and XXXX XXXX credit report to list my current address and phone number for creditors and lenders to review and see. Please add my current address and phone number to my Extended Fraud Alert and credit report. Heres my current address and phone number : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX.
Consumer complaint received 2019-01-28
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: Diversified Consultants, Inc. (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. DIVERSIFIED CONSULTANT ACC #  XXXX, Date Opened XX/XX/2017, I am attaching the dispute letter/documents I sent to this company
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (PA)

In XX/XX/2018 I contacted BB & T to see why PMI was not removed from my mortgage. They responded and said that I did not qualify for removal. When I refinanced through them, they indicated that they would use the original appraisal amount of the house since the original mortgage had not been that long ago. No new appraisal was required. When I made this inquiry they said the value of my house was {$100000.00} less than the appraised value. This was done randomly as they conducted no appraisal or evaluation of the property. Since they fraudulently devalued my house by {$100000.00} PMI couldn't be removed.