davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I put in a dispute with Capital One for a charge of {$1600.00} that I paid for on XX/XX/XXXX for a house rental for myself and 10 other family members on XX/XX/XXXX- XX/XX/XXXX. This dispute is for the sanitary of the house that we had to go to in order to know the condition of the house. I felt that the condition of the house we be above average, especially with COVID-19 now in our society. I provided them with pictures and a detailed statement of the condition of the house. I was advised that I did not provide enough evidence, and my case had been closed. I asked what other evidence I could provide, they did not have any suggestions and told me to contact the property owner again, to see if she could assist me. They advised me of a {$200.00} and {$1000.00} credit that was given back to me and I explained the {$1000.00} was the initial deposit just in case anything got broken that was refundable and the {$200.00} was for the septic system that was not in the house description that backed up in all the sinks, toilets, bathtubs and showers that we could not use for 24 hours. Also, that issue was not included in the dispute details.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of XXXX XXXX XXXX XXXX XXXX. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2020-03-02
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)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit 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. I have contacted the FTC and the police.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, my name is XXXX XXXX at XXXX XXXX XXXX, GA XXXX there are several inaccuracies on my credit report. There is an XXXX  XXXX account that has been previously paid in full it's being reported inaccurately. I'm opening a XXXX and checked my report and to my dismay. I've seen things unbeknownst to me. here are the other accounts that inaccurate : XXXX XXXX XXXX   XXXX XXXX this account was resolved prior to the collections process. XXXX XXXX XXXX XXXX XXXX XXXX this service was also paid in full prior to the collections process.XXXX   XXXX XXXX ... xxx, xxx, these account don't belong to me. XXXX XXXX XXXX is unrecognizable and doesn't belong to me. XXXX XXXX is also an account that does not belong to me. XXXX  XXXX is another account reporting inaccurate information and then same account is reported multiple times.XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, is reporting inaccurate information and there are several accounts attached under this company name.XXXX  XXXX XXXX XXXX. US DEPARTMENT OF EDUCATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, these accounts are paid as agreed and not in any stage of collections.I 'm npt sure why these accounts are appearing this way. I believe that its identity theft or fraud.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (CA)

I have monthly and yearly subscription and some I do n't even remember. 
So to protect myself, I report a stolen credit card. I received the new card from Barclay Card and to be safe I moved my monthly subscription to XXXX XXXX. 
As now, I have a charge from XXXX that I did not authorized this charge and I called Barclay for the second time. They told me that as long that I did not cancel my subscription, the merchant will update with my new CCS ... and I can not get on hold with XXXX. 
The big issue that I have with Barclay card is if there is a dispute is between me and the merchant, not with Barclay Card. As with XXXX XXXX, I received notification asking if I recognize the transaction ... and if there is a dispute, merchant will get back with me ... but it is not the role of Barclay XXXX to mange the dispute with fees and what so ever. I called Barclay on XXXX/XXXX/16 and nothing was done. I just call now, spoke to a man ... we went over the issue and he put me on hold ... I call around XXXX Pacific Time and now 43 minutes later ... it rings busy and it hangs up. 
Please ... we need some kind of protection and stop Barclay Card with this unlawful Act.
Consumer complaint received 2016-11-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

Conn 's is reporting 30 to 120+ late payments on my credit report which is n't accurate. I requested my payment history from Conn 's which show paid thru dates and payments being applied to misc fees. I 've disputed the info with all XXXX credit bureaus and sent in the payment history for proof. The bureaus did not investigate the late payments and have not removed the late entries. I 've contacted Conn 's to correct the issue and have not had any luck. I 've requested the removal of the account from my credit file due to the incorrect reporting.
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: Ascendium Education Group (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 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

I got a physical mail about some XXXX bill of {$4800.00} for XXXX construction, that has my home address to it. 

I am sure its a scam as when I called them back they asked for last XXXX of my social. When I did not give the same, they said account number has been removed and hung up. 

Following are the details of the company that sent me the email : Convergent outsourcing , INC . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX
Consumer complaint received 2020-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

Good morning, On or about XX/XX/2020 I called Ally auto to request a two month payment deferment. I was informed that I needed to make a payment of {$350.00} for the extension. That payment was made on XX/XX/2020 and posted to my account on XX/XX/XXXX. When I go online to my account it now shows me with a past due of over {$800.00}. There was no past due amount prior to making the payment for deferment. 
I have called the Ally call center number on average twice a week for the last month and 1/2 to see why the account does not show the deferment. Each and every time the call center rep informs me that the deferment department is behind and they will send a message requesting an update. Every time I have called back I am told sorry we still don't any information and we will submit another request. I have asked to be transferred to a US call center for Ally on three separate occasions and have been disconnected each time. The last time this occurred was on XX/XX/2020 at XXXX pst. On Thursday XX/XX/2020 I received a letter from Ally stating that my deferment was approved but I am still showing delinquent on the account. 
I am now receiving calls from Ally financial collections asking when the account will be paid an am showing past 30 days late on my credit report.
Consumer complaint received 2021-12-17
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: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I have contacted FedLoan on XXXX occasions in the last 30 days, totaling XXXX hours on hold There are no callbacks. 
Online chat is disabled They do not respond in XXXX message There is no way to contact them. 
Emails are unanswered
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

On XX/XX/2021 I received a correspondence from Ic System in regards to an alleged debt. IC System has violated many of my consumer rights. Exhibit A violation 15 USC 169 2b ( 3 ) by printing a full logo on the top of the page. Exhibit B violation 15 USC 169 2B ( 2 ) an alleged debt amount that has a positive balance. Any alleged debt that is owed should print a negative sign in front of the debt. Exhibit C 15 USC 169 2 B ( 2 ) Using Threating language in the body of the letter.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (WI)

Approximately XXXX months ago Barclay raised the limit on XXXX my credit cards from {$2500.00} to {$6500.00} in recognition of responsible card usage. Less than XXXX months ago I contacted Barclay to shift some credit line from XXXX account to another. The credit analyst who processed my request told me that by Barclay 's standards I manage my credit excellently. Then, on XXXX/XXXX/2015, Barclay closed all my accounts locking up rewards worth a total of {$1100.00}. This was comprised of XXXX points on an XXXX Extra Points Card ( valued at {$0.00} per point = {$900.00} ) and XXXX points on an Arrival Plus Card ( valued at {$0.00} per point = {$190.00} ). I have made no change to my use of the cards at any time in the last XXXX months ( the duration of my credit relationship with Barclay XXXX. I am left with no access to my earned rewards and have only been provided with a vague explanation that my accounts were closed for their usage XXXX the same thing that prompted increased credit lines and verbal praise from a credit analyst at the bank ).
Consumer complaint received 2023-08-16
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. (NY)

In accordance to the Fair Credit Reporting Act, XXXX  XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX 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 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

On Friday XX/XX/year>, my husband received a phone call that showed up as Wells Fargo- which is our bank. He was told that our account appeared to have fraudulent activity. During the conversation, his phone was hacked and his debit card ATM pin was stolen and a total of XXXX XXXX  from our two checking accounts was combined and then XXXX XXXX  was stolen by way of an XXXX XXXX withdrawal in XXXX California. We reside in XXXX, Alabama. The criminal on the other end of the phone said " HAHA, I just stole all your money ''. My husband immediately went to the bank, within 15 minutes, and reported what happened and filed a fraud claim. Our accounts were frozen. My husband also went to the police station and filed a report. We later emailed the police report to the fraud department at Wells Fargo per their instruction. My husbands XXXX and XXXX were both wiped clean by the hacker. We called the three credit bureaus and requested our credit be frozen. All of our bills/banking information were stored on the XXXX. My husband also made a claim with the FBI. My husband received a call on the following Thursday XX/XX/year> stating that our claim was complete. When my husband called the claims department back, he was told our claim was denied. We called the claims department back on Friday XX/XX/year> and asked for an explanation of the denial. We were told that our claim was denied because the transaction was authorized. We denied that report and explained that the transaction was not authorized. We were told that the police report had not been received and to wait and call back in 72 hours. We called back on Tuesday XX/XX/year> ad was told the police report had not been received. We were given a second email address and re-sent the police report. We were told to call back in 48-72 hours. We called the claims department again on XX/XX/year> and were told that the matter was still under investigation and was taking longer because of the dollar amount of the claim. We were advised to call back in another 72 hours. We called again on XX/XX/year> and were told our claim was denied and closed because Wells Fargo considers the transaction authorized. This is a false statement. There was no authorization for all the money from our accounts to be stolen. I am filing this complaint in hopes of getting some assistance in getting our money back.
Consumer complaint received 2021-12-17
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: AMERICAN EXPRESS COMPANY (FL)

My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX  XXXX and XXXX XXXXXXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I paid {$560.00} to XXXX XXXX XXXX AZ for personal training sessions. I was supposed to have 9 sessions to use that never expire. Due to work and scheduling conflicts I was unable to use the training sessions in XXXX and in XXXX the trainer quit so there was no way for me to use these. In XX/XX/XXXX the gym closed down abruptly and I tried multiple times to get a refund for the unused sessions. The gym never contacted me back and so I reached out to my bank which is BBVA on XX/XX/XXXX to file a dispute to get the money back. XX/XX/XXXX I found out that my claim was not filed properly or for the proper amount despite me telling them how much I was disputing and why. I have now had to file another claim for this but my concern is their lack of care in trying to resolve this for me and get my money returned.
Consumer complaint received 2020-02-27
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: EQUIFAX, INC. (WA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX/XXXX/XXXX accounts. ( Please see attached credit report along with a spreadsheet with account numbers. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, 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. (OH)

On XX/XX/2017, I had identity theft reported to me by both opm.gov and XXXX credit monitoring services.  Since then, I have ordered freezes on all credit bureaus, sold both homes because of the ID theft, closed many accounts, and changed my address to a PO box. All accounts currently use the new address and can confirm old addresses.

I have had problems with the last few weeks accessing information on XXXX XXXX, as well as various accounts that provide me with free monitoring services.

I would like your help getting my free yearly credit report from all three bureaus as mandated by law.  

I prefer giving no information to the three credit bureaus, as XXXX has compromised my identity, I have evidence, and will be pursuing that at a later date.  Every bureau has dumpster dove to gather information without my permission or consent, and I do not want to provide them any new information for them to compromise or get hacked.

Please help me obtain my three free credit reports mandated by federal law by either US Post office, or online access.  I prefer you using my state attorney general, local law enforcement, FBI, or some other agency that could protect my identity should further information be required.  My social security number has stayed the same, and my mailing address is updated on every active account.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

Please Help! This is not right! I have disputed this several time with XXXX, and this appears to be ongoing, and they keep denying stating that the debt is confirmed. Then they would change the date of when it originated. I noticed on my credit reports with XXXX and XXXX, it is not on those reports, it looks like at XXXX time it was and it had an original date of XXXX and they removed it. I am not sure what this is from. I read reviews on the company bad practices : Spring Oaks Capital LLC, and it appears that are obnoxious with their practices and not being truthful. I need this removed. and XXXX is of no help, I have been going thru this for year now. Really ironic after several back and forth disputes with XXXX XXXX, and my I completed a survey about the dislike of service they email me this : ( I had to click on the blog link within the email to get here to get help ) Here is a copy and paste of the email I got : Dear XXXX, Friendly Reminder : We recently notified you about the results of a completed XXXX dispute investigation. 

If you haven't yet viewed the results, you can still view your dispute results online. You have until XX/XX/XXXX, XXXX days from the date we notified you that your dispute results were first available. 
If you have already reviewed your results for this dispute, no action is necessary. Learn more about how to read your dispute investigation results in our blog. 
If you don't agree with your dispute results, visit our blog to guide you through additional steps you can take. 
Sincerely, Your XXXX  Support Team Please Help! This is not right!
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (DE)

On XX/XX/2021, there was a deferred agreement with Kia finance. ALL papers were signed and returned. Started receiving letters, that my account payments are passed due, at this time received my 1st letter, Tried calling numerous times, but keep getting the run around, and it has been reported on my credit report as being in default or late on payment.i reached out to them again, on XX/XX/XXXX 3way call, I co-signed for my daughter, ( same thing ) nothing solved.Received another letter XX/XX/2021, called on XX/XX/2021 resigned letter again, spoke with a guy named XXXX, was assured the deferment was completed and he received it. Well received another letter on XXXX XXXX 2021 again same thing no head way,. Just received another letter on XX/XX/2021 of this amount is past due.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CA)

Received a prepaid debit card from a company called NETSPEND that I never asked for. A letter along with it telling me to activate immediately. This is a legitimate debit card that I solicited. Their customer service admitted they send these out as a way to solicit business