davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
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. (GA)

I filed complaint XXXX with CFPB and XXXX  Case # XXXX about the inaccurate derogatory information on my credit file. My credit file still shows charges and invalid payment dates that contradict my credit file. The balance and amount are not correct and the charges are inaccurate. About a month ago I filed a ftc identify theft report because some of the charges on this account, I have no knowledge of. The company could not tell me where these charges came from. I attempted to reach out to the company to get this corrected, but it still remains on my credit file. I am not sure how the additional charges got on my account, I also created a police report in order to dispute this information on my credit file. By law if there are fraudulent charges the company reporting the fraudulent charges have to remove this information due to my sworn affidavit and police report. But this company is still reporting this inaccurate information on my credit file. I am appalled that I had to go this far to clear my name when I have contacted this company numerous times. My credit file is all I have to represent my creditworthiness. This invalid information is damaging my creditworthiness and is against the law. After multiple avenues to get this fixed this is my last option without taking legal action. 

Once again, please remove this invalid derogatory information from my credit file, per FTC affidavit and attached police report to avoid further escalation of this issue and breach of FCRA and FTC regulations.
Consumer complaint received 2024-03-15
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent copies of debt validation letters to all XXXX credit reporting agencies that the company did not answer to. The collection account from XXXX XXXX XXXX was never properly validated, to date I have not received anything from them.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

CapitalOne Quicksilver credit card advertised {$200.00} bonus if you spent {$500.00} in 3 months I applied and was approved. There was nothing I saw that was different and I was approved immediately. 

My card was opened in XX/XX/2022 and by XXXX I had already spent over the {$500.00}. 

After the 3 month period in about XXXX I realized I had not received my bonus. I called the company and was told the card I got was not the one with a bonus. Its got the same name and everything else, there was no way for me to know it was a different card. I was never given any options to decline the card due to it being different. I feel this was a bait and switch scheme and tried speaking to a supervisor but was told there was nothing they could do. 

I am still upset over this and havent done anything else simply because I havent know what to do until I found this site.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/2023.I discovered that my Capital One Bank withdraw more than {$2000.00} from my checking account without my permission using XXXX XXXX. I immediately called the bank and explained that I had never had account like cash app.After many questions, In gave them all information.The money was withdrawn through my debit card.I live alone and no one has access to my financial documents.On XX/XX/XXXX. {$1300.00} was charged again from my debit card. I had new password but someone has access to my debit.I called the bank again but they refused to return the money to me. I am retired, my Social Security is not very big, but the bank manages my pension at its discretion.Convincingly, I ask you to help me. 
Yours faithfully, XXXX XXXX
Consumer complaint received 2023-05-24
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. (IL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-10
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: AMERICAN EXPRESS COMPANY (CA)

date : XXXX XX/XX/, amounts : {$59.00} + {$99.00} two transactions, Merchant : XXXX XXXX XXXX Bank : American Express credit card. 

I downloaded XXXX app on my XXXX XXXX XXXX  from XXXX store on XXXX XX/XX/2023. I paid {$59.00} for download XXXX XXXX on my XXXX  and {$99.00} for download XXXX  on my XXXX. I use American Express for both transactions. After i made the payment. I tried to use XXXX. it was not working on my XXXX  and XXXX. i did some trouble shootings still same issue. Then i purcahsed XXXX XXXX from app store on my XXXX. XXXX  works very well on my XXXX. then i purchased XXXX XXXX from app store on my XXXX. XXXX XXXX works very well on my XXXX. I found it is not my device problem. then i request refund from XXXX on XXXX XXXX XXXXXXXX XXXX denied my request. then i contacted XXXX. XXXX  only have email contact method. i emailed XXXX  3 times. i only got automatically reply while i sent the email to them. after that no further response. then i contacted American Express to fill dispute charge on XXXX of XX/XX/2023. The agent from American Express recommend me contact XXXX  again and denied my dispute reques. I contacted XXXX  on XXXX XXXX again. XXXX recommend me to contact American Express. Then i contacted american express again. at the meantime i request to talk to supervisor of XXXX. then i had phone call with American express and XXXX  together. they both just talked their own policy that is i am unable to get refund even the application not working. I entreat both parties. Finally American Express said could fill a dispute case for me. However, I will get the same result because XXXX has denied my refund request. they cant get chargeback for me.
Consumer complaint received 2023-08-12
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: LEXISNEXIS (KY)

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.

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 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (KY)

On XX/XX/XXXX me and my husband went to XXXX XXXX in XXXX XXXX, South Carolina. We arrive and XXXX attempted to check us in. She ran my card approximately 3-5 times and was declined. I then looked and my banking app to see what was going on. The charge for {$680.00} was pending. I showed that to her and she told me that there was no charge/transaction on her end. We was not able to check in. We sat in our car for some hours, calling my bank to try and figure out what was going on. We also spoke with the hotel and was told that we could pay and additional $ 200+ to stay for the night. We didnt have that to chance. Hindsight looking if I wouldve paid that and this issue wasnt resolved ( which clearly isnt ) I would have been there with literally {$0.00}. Up until now I have been speaking with my bank ( which is Albert, online who doesnt have a number )XXXX XXXX ( who we initially booked the hotel with ), and the actual hotel itself. They all have pretty much been telling me to contact the other person. Both XXXX  and XXXX XXXX have told me that there is nothing they can do because- XXXX XXXX doesnt have a transaction and XXXX didnt process the transaction. My bank told me several different things. Once they told me it would be 15-30 days, then I was told 7 days, then I was told 10 days the money would reverse back on my card. At this point it has been 2 weeks since we went on the trip. I had to have my brother book and pay for me a hotel ( which I have to pay him back ). I was literally in XXXX XXXX with no money and in debit.
Consumer complaint received 2024-03-15
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

Ic system has placed a collection on my credit in regards to a XXXX bill that I have no responsibility for. I have not received any validation for this debt or any letters from this collection company. I dispute the account in its entirety and have also filed a claim with ftc.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was charged {$110.00} as an interest charge after paying off my balance on my capital one credit card. The balance was paid off before the next statement cycled, the company customer service and escalation line refused to assist with the charge.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

Hello I purchased a vehicle from USA auto sales and they recently shut down and my account was transferred to Westlake portfolio. The issue is the interest rate changes and none of my payments was applied correctly to the vehicle. I made on time payment for over a year and was informed my balance did not increase as the interest rate was inflated and the service warranty I paid extra for was voided due to USA auto sales never sending the money to the warranty company. The new loan holder stated I would have to speak with USA auto sales to have this issue corrected or return to vehicle which would negatively affect my credit Score. They inflated the interest rate and did not apply the payments properly.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I asked the company ( XXXX  ) for months that reported the late payment. How was I leave for XXXX given the 30 days to pay it before it reported to the credit bureaus. If they reported it early XXXX. XXXX  reached out to me and said I had a missed payment for XXXX. Then they changed and said it was for XXXX. After they had already emailed me and told me that my XXXX payment was successful. I have tens if not hundreds of emails with XXXX  for months at a time on how it doesn't make sense how I have a late payment. I have almost XXXX accounts on my credit report and never missed a payment!!! XXXX  randomly closed their company and had another company takeover so it's not even ran by the original company that gave me the late payment
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX XXXX got a XXXX XXXX XXXX  taken from my savings and checking account for a Discover card that is not even in my credit report history.
Consumer complaint received 2019-01-22
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: SYNCHRONY FINANCIAL (GA)

I filed complaint XXXX with CFPB and XXXX  Case # XXXX about the inaccurate derogatory information on my credit file. My credit file still shows charges and invalid payment dates that contradict my credit file. The balance and amount are not correct and the charges are inaccurate. About a month ago I filed a ftc identify theft report because some of the charges on this account, I have no knowledge of. The company could not tell me where these charges came from. I attempted to reach out to the company to get this corrected, but it still remains on my credit file. I am not sure how the additional charges got on my account, I also created a police report in order to dispute this information on my credit file. By law if there are fraudulent charges the company reporting the fraudulent charges have to remove this information due to my sworn affidavit and police report. But this company is still reporting this inaccurate information on my credit file. I am appalled that I had to go this far to clear my name when I have contacted this company numerous times. My credit file is all I have to represent my creditworthiness. This invalid information is damaging my creditworthiness and is against the law. After multiple avenues to get this fixed this is my last option without taking legal action. 

Once again, please remove this invalid derogatory information from my credit file, per FTC affidavit and attached police report to avoid further escalation of this issue and breach of FCRA and FTC regulations.
Consumer complaint received 2024-03-15
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (FL)

On XX/XX/23, I was checking myself into XXXX XXXX, but before I did I contacted Credit Acceptance to move my payment to XX/XX/23, they agreed to on a recorded line, I agreed to the recorded statement of the payment cancelation and new payment date for XX/XX/23. On XX/XX/23, Credit Acceptance ran the payment causing a NSF fee, I contacted them and was advised that a supervisor will review the call and contact me back, on XX/XX/23 Credit Acceptance ran the pay again causing another NSF fee, I contacted them and spoke with a supervisor and she stated the another supervisor reviewed the call today and she don't know why they ran the payment I advised the supervisor that the need to refund me my NSF fees and that I will be calling in on XX/XX/23 to make my payment as agreed on XX/XX/23 and now they are changing me return payment fee, because of their negligence.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As I am looking at my consumer report. I see that TransUnion has not only failed to do an accurate investigation but they have also not responded to my request of method of verification that I asked for regarding accounts : XXXX XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Current Status : Open : XXXX XXXX 30-day late payment 2. Creditor Name : XXXX Account Number : # XXXX of First Delinquency : XX/XX/XXXX Amount : {$1500.00} It is being considered a charge off 3. Creditor Name : XXXX XXXX Account Number : # XXXXDate of First Delinquency : UNKOWN Amount : {$2100.00} It is being considered a charge off 4. Creditor Name : XXXX XXXX Account Number : # XXXXDate of First Delinquency : UNKOWN Amount : {$160.00} It is being considered a charge off 5. Creditor Name : XXXX XXXX XXXX Account Number : # XXXXDate of First Delinquency : XX/XX/XXXX Amount : {$5000.00} It is being considered a charge off. Not only did I request the method of verification, but they did not warn me ahead of time that they were going to report this and I did not give them written or expressed consent to do so. They are violating my consumer rights and SO MANY levels. They are failing to accurately report information on my consumer report and everything that is inaccurate will now be listed and shown since they did not do their job. Due to the fact that these accounts were not corrected, they violate FCRA and they are in violation of the law. These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q I am frustrated because these accounts that should have been removed are impacting my life. Below are the damages done by not having the correct information on my consumer report.
Consumer complaint received 2022-10-21
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC (TX)

I have been repeatedly called by Transworld systems Inc. at XXXX and XXXX days in a row. I have XXXX debt for them to collect on. All of my debt is paid and up-to-date. So theres no reason they should be calling me and there is no reason they should be calling me so early in the morning either
Consumer complaint received 2022-09-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I have a business checking account with TD Bank XXXX XXXX XXXX XXXX which was FDIC Insured however due to my father passing I was out of country for 4 months upon my return I tried to log into my online account and was blocked I called and tried to do some transactions only to be told my account was closed. Yes closed on the public side but fully operational on the private side so it's quite unfair for my credits to only benefit TD Bank when I am the Entitlement Holder who is owed all Debts and Interest.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX