davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have mailed, faxed, uploaded, and called all three Bureaus. TransUnion said I wasnt me and they refused to investigate! 

This letter shall serve as formal notice of my intent to file a complaint with the CFPB, due to your blatant and objectionable disregard of the law.As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Consumer complaint received 2023-05-14
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. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-31
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX 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 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 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I have been a loyal customer of Capital One for over four years. My habit has always been to put down a large payment and use the card to make my online bill payments. Not a wise plan but I had problems with unauthorised transactions on a debit card that I had to close to stop the transactions. On XX/XX/2020 I made a payment of {$550.00}. Normally the money is available the next day. XX/XX/2020 my bank cleared the payment but my Capital One account is on hold until after XX/XX/2020. That money was all I had for groceries and a couple of bills. I was never notified by mail of the company 's policy change. The customer service rep gave no other reason except it was a large payment. Capital One never had a problem before with large payments. I made a payment of {$350.00} on XX/XX/2020 and was available the next day. The same thing with a payment of {$500.00} on XX/XX/2020. That money was all I had and I needed to put it on a card because the stores aren't really accepting cash around here because of c-19.
Consumer complaint received 2020-04-11
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. (MI)

Im a XXXX XXXX in XXXX  and expierians Data breche, Im a XXXX XXXX died and left our name a mess most our credit report was mixed up.. 
And due to information on the web I can use my credit or nothing please help.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Accounts, Inc. (WA)

I received a letter from XXXX XXXX XXXX on XX/XX/year> stating I owed XXXX When I went to the website to pay the debt before the 30 days were up the amount jumped to XXXX. I called them and the lady that anwered the phone said she could not help, and no matter what I do nobody can remove the extra {$57.00} from the debt. I pointed out to her that I received the letter on the XXXX of XXXX, and it had not yet been 30 days, but she didn't care. I paid the original amount on the letter. I have receipt of that and can prove reception of the letter on the XXXX of XXXX.
Consumer complaint received 2023-05-05
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. (FL)

I am the victim of identity theft. My information was exposed in the XXXX XXXX XXXX. I believe this is how the thief or thieves got my information. I have submitted all of the necessary documentation to law enforcement. I then sent the documents to the credit bureaus. I have sent the information to Experian at least 8 times and they are non responsive and continue to report accounts that were opened fraudulently. This is causing me severe harm. I have also reported them to the Attorney Generals office and they have failed to respond to that complaint. Please assist me in getting justice and being made whole.
Consumer complaint received 2022-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

Regarding Chase Auto Loan XXXX. Please see my first complaint, Complaint XXXX, for more specific dates and check numbers After 6 weeks of fighting with chase for not clearing an auto loan they received and signed 3 separate checks for Chase finally cleared it and my online account showed {$0.00} balance. 

Now, as of XX/XX/22 Chase has the NERVE to hit me with a {$980.00} late fee. They received and signed for the first check on XX/XX/22 ( as shown in my first complaint ) The loan was paid IN FULL. 

Chase has been causing me absurd, undo stress for over 6 weeks with this nonsense. I'm getting so many migraines and literally shaking with frustration ; I'm losing sleep and missing work over this nonsense and harassment. 

This is all Chase 's mess. I Will never pay them for their own mistakes. If anything they should be paying me for all the stress their incompetence has caused.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

So I have multiple debts I can not pay no matter the payment plan and I get a call multiple calls almost every day between XXXX and XXXX everytime I block their numbers they just use a new number and I can't get sleep because of it they wake me up every hour to every half an hour. 
I don't refuse to pay the debt but I just can't pay it I can barely even pay for cigarettes. 
I know this doesnt seem like much but I can't function because of them.
Consumer complaint received 2022-12-31
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. (CA)

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 items : XXXX XXXX  XXXX XXXX .... Balance : - ; XXXXXXXX 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 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
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (OR)

On XX/XX/2019, Source Receivables Management report on my XXXX, XXXX, and XXXX  account for the amount of {$2100.00}. 
I have no knowledge of this account. I do not own this account. I attempted to contact and dispute this account in XXXX and it was not resolved. It has affected my credit and my payment history. I do not owe anything on this debt. I have no knowledge how this account was reported to my credit bureaus.
Consumer complaint received 2022-12-31
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)

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 items : 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 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
Consumer complaint received 2022-12-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 16811 - EXPERIAN, XXXX AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS AND DELETE UNKNOWN INQURIES- VIOLATIONS OF THE FAIR CREDIT ACT
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (MD)

Good Day, My mother died of sudden death. I learned she had an outstanding mortgage with XXXX XXXX XXXX. I reached out and sent documentation to discuss the account. However, I just learned the mortgage was transferred over to Faye servicing on XX/XX/XXXX and a foreclosure was processed on the XXXX of XXXX. I spoke with Faye Servicing on the XXXX to postpone foreclosure Sale. I was advised they could not speak with me until I sent over documents, stating I am handling the estate. However, mysteriously someone else name is on documents as the estate representative. ( I learned from one of the representatives at Faye Servicing that they were quite familiar with this name they see it often ). 
I m seeking to retain the property. 

Please assist
Consumer complaint received 2023-06-20
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: Avant Holding Company, Inc. (MI)

In Accordance with the fair credit reporting act, These Creditors : Avant LLC/WEb Bank . XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX... VIOLATED my rights under 15 U.S.C 1681 Sections 602 States, I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, It also states a consumer reporting agency can not furnish an account without MY PERMISSION/Written Instructions. Under 15 U.S.C 1666B, A Creditor May NOT treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!
Consumer complaint received 2022-12-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 16811 - XXXX, XXXX AND EQUIFAX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS AND DELETE UNKNOWN INQURIES- VIOLATIONS OF THE FAIR CREDIT ACT
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of XXXX XXXX I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Around XX/XX/2020 I went to a Bank of America branch In XXXX ca. Address is XXXX XXXX XXXX XXXX XXXX. 

I came in to make a payment to my credit card since my online bill pay wasnt working. I came to the branch and while waiting in line one of the bankers suggested I make my payment at the ATM since its faster. 

I made a cash payment for {$7000.00} at the ATM and only {$500.00} was processed. I told the banker and they suggested I call customer service and after 2 months and 3 dispute cases later theyre trying to tell me they cant find a error or the extra {$6500.00} which is XXXX. I know exactly how much I put in the atm it was XXXX bills of {$100.00}
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a capital one card and I make my payments monthly on time. I have had this credit card for at least 6 years. I just lost half my income about two weeks ago because of the national crisis and the shelter in place in California where I can not go to work and can only do limited work on line. 
I asked the Capital one representative if they could work with me and lower the interest or waive it ( which is about {$200.00} per month ) while the shelter in place applies to California and I have lost half my income because of it. They refused to do anything to help me during this situation, so I closed the card and will continue to make the monthly payments as best I can. 

Thank you.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (IL)

American Express serve has locked my account with my COVID related stimulus on the card. The only way to reset the card is with customer service through a toll free number. I have called over 20 times and have waited on hold for a cumulative 6 hours with no response.
Consumer complaint received 2020-04-11
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. (OH)

I would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX   XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX , OH XXXX
Consumer complaint received 2020-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CARD Corporation (KY)

I have had this prepaid debit card for about two years and I had always had suspicious about their reserve system when I had taken my mother out for dinner that costed * {$26.00} and " Card.com '' had taken out nearly {$80.00} which was held for several days. this happens infrequently. I had noticed some unexplained transactions/duplicate withdrawals from my account and asked if they could check into it? ( The SMS service just started working on my phone around two weeks ago ), so they didn't make anything easy to translate. I had even called and gave them a name and address to be referred to. I had changed my password to a near twenty character mixed Caps, symbols, etc a few weeks back and I actually received a similar email that same evening? I explained to them that where I don't have the same provided for my residency and my mobile service since I live outside of XXXX 's signal range. and that I use my family 's WiFi when aI  visit them,,,,, They have never given me any response to my security issues and they have shut down my card three times in the last week or so without any probable cause or explanation. now being XXXX, it's hard to get the XXXX XXXX   and even the XXXX XXXX XXXX materials all weekend after only yesterday telling them not to ever disable my card again unless I called and requested it? It appears that they are committing hate crimes either to avoid any legal responsibility or it is some personal vendetta which would classify it as a hate crime. I have no other income except what is on this card as for when I deposited $ XXXX to it yesterday there were no signs of it being deactivated for that alone speaks volumes. I was struck by a dislodged boulder in WV in XX/XX/XXXX and am in XXXX XXXX as I am seeing a XXXX  ( XXXX  XXXX XXXX ) and getting XXXX   XXXX and seeing a Dr in XXXX ky for my XXXX XXXX. I am supposed to visit her asap due to an XXXX  XXXX  XXXX  on my previous checkup last week but can not go or get anything due to these senseless sabotages of my only source of $ that I have since I've been without any income since XX/XX/XXXX. Again, I have both called and emailed them expressionally advising them not to ever deactivate my card again unless I called them and requested it as this has caused much trouble the other instances it has occurred. tx XXXX.
Consumer complaint received 2024-04-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (KS)

I received XXXX Visa prepaid cards last XXXX. I registered them recently and verified that they were XXXX {$300.00} each. I reaasigned a new pin number to each XXXX. I went to use them XXXX/XXXX/2024 at a local XXXX and XXXX went through just fine the other was declined. I called the number on the back and found out the card had no balance and had been used in Texas on XX/XX/2024. I live in KS and have had the physical card at all times. All the company did was deactivate the card and gave me some double talk about nothing and did u have any questions. Well yes I do, how do I get my card back with a balance of {$300.00}? I didn't buy it or get a receipt for it, they were both given to me last XXXX after the death of my mother.