davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Unauthorized information was use to these companies and will like them remove I did not give my information to these company for use.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. the accuracy of my credit report is unmatched. I am contacting the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts are listed in the files. please review and remove the listed items immediately.
Consumer complaint received 2022-06-03
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. (OH)

An accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  loan # XXXX has violated my rights. 
Hard Inquiries by : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have right to privacy.

15 U.S.C1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

I have an account from springoakcap # XXXX for {$820.00} this account doesnt belong to me. I never had account with XXXX bank. This is really frightening Ive attached a copy of my affidavit as well and Im requesting a removal of this account.
Consumer complaint received 2019-11-29
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 (UT)

I discovered that I was receiving fraudulent charges from XXXX XXXX. When I realized, I contacted capital one immediately and we identified the rapidly growing charges. 

I was told that this matter was dealt with and I needn't do anything. A new card would be sent out. 

A few days later, I received my new card and saw yet more charges from XXXX XXXX. I contacted capital one and they said they had again dealt with it and I had nothing to worry about. They then told me that less than 5 seconds after they put in an order for a new card, XXXX XXXX  had charged the new card and that she would have to now cancel that card and send me another one, but this one they  would send express. 

They send me the new card assured that this was dealt with and yet ore charges to my card from XXXX XXXX. I call capital one again and they tell me that they can't stop the transactions and that they will have to issue me an authorized user card to my account to get around the issue. They appear to have had no control over fraud from big clients who have some kind of contractual obligations. 

This can't be a one-off problem. If this is possible with XXXX, what other clients are not able to be blocked when fraudulent activity is not being addressed? This was damaging to my credit unfairly as I have spent tens of hours on the phone to them and each time they have assured me it was all under control and would stop. Not only that, but I have had to leave my cards in a permanent state of hold until they could find a solution to the problem which took them months. Even then, it's not a long term solution that every cardholder must have one card that they have, but is blocked, to enable to the use of a second card on the same account? 

I'd like my credit fixed and this looked into as there is a clear issue that is only going to get worse. 

Thank you XXXX XXXX
Consumer complaint received 2022-12-16
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. (AL)

XXXX XXXX XXXX XXXX already collected the debts XXXX multiple times an XXXX XXXX  multiple years still using the same debt fraudulent activity to collect money an reporting deceased illegally an reporting false information an payment to receive more money reported to TransUnion credit report agency were they failed to investigate the debts collected agency due to falsely report information an XXXX XXXX XXXX XXXX XXXX XXXX my personal information after they received multiple payments statement said paid reported to TransUnion as unpaid an TransUnion credit agencies refused to delete XXXX founding company an XXXX XXXX XXXX XXXX XXXX from my credit report that hurting my credit score due to illegally activities going on with these companies I requested everything be removed an deleted from my report reporting false information
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

RE : XXXX XXXX ; CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX Current Owner : LVNV Funding LLC I am writing to follow up regarding the matter of an outstanding account that has been associated with several entities, including XXXX XXXX , XXXX, LVNV Funding LLC , and Resurgent Capital Services . As I have become aware of the involvement of these entities in relation to the account in question, I am hereby requesting documentation and proof of your ( Resurgent Capital Services ) in connection with this business matter. 

To provide some context, the account in question originated on XX/XX/XXXX, with XXXX XXXX  and was opened with XXXX. The last payment received on the account was on XX/XX/XXXX, and it was subsequently charged off on XX/XX/XXXX, with a remaining balance of {$1300.00}. It has been brought to my attention that LVNV Funding LLC allegedly purchased the account. 

However, despite this information, I have not been provided with any documentation or evidence demonstrating how both you and LVNV Funding are involved in this business matter. It is imperative for me to understand the nature of your connection with this account and to ensure that all parties involved are operating within the bounds of the law. 

Therefore, I kindly request that you promptly provide me with any and all documentation, proof of assignment, or other relevant information pertaining to your involvement with this account. This documentation will help me to better understand the situation and take appropriate actions if necessary. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation at your earliest convenience. 

Sincerely, XXXX : XXXX agent for XXXX : XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

XXXX XXXX XXXX placed hard/visible inquiries on my LexisNexis report XXXX times for the permissible purpose of " collections. '' I have never had any past due bills with XXXX nor have I ever been in collections. Some of these inquiries occurred after I had closed and paid in full all accounts with the company, so there was definitely no permissible use. 

I recently applied for auto insurance and received very high quotes. I received an adverse action letter from at least one insurance company ( XXXX XXXX and XXXX XXXX ) advising that I was quoted a higher premium due to my LexisNexis consumer report. One of the reason codes provided was " Number of Inquiries for Transactions Initiated by Consumer in Last 6 Months. '' All of the visible inquiries in the last 6 months are from XXXX. 

Therefore, I believe that the unauthorized use of my consumer report caused me to pay a higher price for insurance. Furthermore, obtaining my consumer report after all business was closed and paid in full violated my privacy rights
Consumer complaint received 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: General Mortgage Capital Corporation (NJ)

Dear Sir/Madam, I'm reaching out because I'm in a tough spot with my mortgage. 
On XX/XX/XXXX, my old mortgage company, GMCC ( General Mortgage Capital Corporation ), passed my mortgage to a new mortgage company, XXXX XXXX. But they didn't sort out my XXXX payment ( mortgage monthly installment plus extra principal that due on XX/XX/XXXX, {$5000.00} paid on XX/XX/XXXX to GMCC ) properly. I waited over 45 days for XXXX XXXX to get my payment, but they said they didn't get it. I tried contacting GMCC but they just said to wait. 

Now it's been 45 days, and XXXX XXXX still hasn't got my payment. I'm worried and confused because I don't know what's happening with my XXXX payment for the installment due on XX/XX/XXXX. Neither of the lender said they got the money, or refunded the extra payment. 

Meanwhile, to avoid late fees, I had to pay twice on XX/XX/XXXX for same mortgage installment that due on XX/XX/XXXX to XXXX XXXX, double payment for sure because the previous payment to GMCC never applied. 

Can you please help me figure this out? I really need some assistance with this issue. 

Thank you for your help.
Consumer complaint received 2019-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas) (CO)

This account has a XXXX balance and is still reflecting on my collections. 

Account Name : Berlin Wheeler Original Creditor : XXXX XXXX from Kansas from XX/XX/2014 Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit Fraud Alert/ freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I purchased a {$200.00} VanillaOne prepaid VISA card at XXXX XXXX in XXXX as a XXXX  present. THe card never worked and the embarrassed recipient returned it to me. I tried to go onto the website and the website would not accept the information on the card and I could not get anywhere. I called the company. I got a representative who after keeping me on hold for some time told me that I had to get an original receipt from the store even though I had the credit card charge record ( I bought it with an XXXX XXXX card ). I had tried previously to address the problem with XXXX XXXX and gotten nowhere being told to come back at various times when the manager would be there-as I work full time, it was not possible for me to go at those times. At this point, I have given up on getting my moneyI will never buy another prepaid credit card. However, I thought it worthwhile to let others know about this. I believe it is some sort of scam.
Consumer complaint received 2024-04-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NM)

I am writing to formally dispute the debt collection notice I received from IQ Data International Inc. regarding an alleged debt owed to XXXX XXXX, XXXX. Below, I have outlined the timeline of events to provide context for my dispute : On XX/XX/XXXX, I left a voicemail for XXXX XXXX, LLLP regarding the rental amount owed. However, there was no response from their end. 
Subsequently, on XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX stating an amount owed, which I found to be incorrect. 
Despite my attempts to resolve the issue by leaving another voicemail on XX/XX/XXXX, and receiving no response, the matter escalated when on XX/XX/XXXX, I received a letter from IQ Data International Inc., again citing the incorrect amount owed. 
On XX/XX/XXXX, a representative from IQ Data International Inc. called me in an unprofessional manner, exhibiting aggressive behavior while attempting to verify the debt. 
In response, on XX/XX/XXXX, I sent a dispute letter via certified mail to both IQ Data International Inc. and XXXX XXXX, XXXX. The letters were delivered successfully, as confirmed by the tracking numbers provided by XXXX. 
Despite my efforts to resolve the matter directly, on XX/XX/XXXX, I received notification from XXXX about a new collection account from XXXX XXXX, XXXX, before receiving any response to my dispute letter. 
Finally, on XX/XX/XXXX, I received a letter from IQ Data International Inc., dated XX/XX/XXXX, which was addressed to a general delivery address I have been using since XX/XX/XXXX, due to my homelessness. 
Additionally, I would like to address the specific amount being claimed as owed. It has come to my attention that I am being charged over {$6000.00}, purportedly for carpet and blinds replacement. I must assert that this charge is unwarranted, as the carpet in question should fall under reasonable wear and tear, given my tenure of over five years at the property. It's important to note that the carpet was not new when I moved in in XX/XX/XXXX, and therefore, any deterioration over time should be considered normal usage. The XXXX  such, I dispute the validity of this charge and request a detailed breakdown of the expenses claimed to be owed. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Auto # XXXXXXXX XXXX # XXXX, XXXX LAW # XXXX, XXXX LAW # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This debt was incurred in 2021 during the COVID 19 pandemic. I was unable to work due to having to XXXX XXXX  my child who has XXXX XXXXXXXX. I alerted Portfolio Recovery Associates , LLC of my circumstances. After I let them know of the circumstances, the debt was removed from my credit report, only to show up again a time later at a higher amount. Portfolio Recovery Associates , LLC calls me every single day from different numbers ( I block one, they call from a different one ).
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Fraudulent Accounts : ACCOUNT XXXX  XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : $ {$3800.00} Fraudulent Inquiries : Inquiry Name : XXXX. 
Inquiry Date : XX/XX/XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

Direct express is holding my ssdi payments for over two months. First attempt of transfer : my balance reflected the withdrawal for two weeks and they blamed Bank XXXX XXXX, after two weeks my balance was corrected and showed the reversal of transfer a day after the transfer. I literally didnt know where was my $ from XX/XX/XXXX to XX/XX/XXXX. Then they said I wasnt verified, I sent them on XX/XX/XXXX all the info they asked and included the routing number ( my bank doesnt provide on their statement ). They said they would contact me, never did. On XX/XX/XXXX found out they refused to verify me bc of routing number wasnt on the statement. XXXX, manager told me she cant talk to decision making department. I am not in the state & XXXX and my bills havent been paid. They refuse to contact my bank, this will take another several weeks, thank god direct deposit from ssXXXXi went through for this month, apparently same bank information was sufficient for ssXXXXi it is not enough for direct express to release the . Social Security should stop using their services, we have no choice in this not at least for a few months till the direct deposit process gets through.
Consumer complaint received 2022-09-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (RI)

Aldous Associates at ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX shows since XXXX XX/XX/XXXX that XXXX XXXX in XXXX XXXX  sent a debt of XXXX from my account. Already called my former fitness club at ( XXXX ) XXXX and verified a XXXX balance upon closing my account in XXXX. Tried calling Aldous Associates but their voicemail was full and their office shows being temporarily closed on Maps app. This fraudulent debt collection agency shows as a high impact derogatory remark on my XXXX report. If you could please have this removed, it would be greatly appreciated. Your help is greatly appreciated. Thanks very much, XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I went to a XXXX XXXX  last night XX/XX/2024 I withdrew {$240.00} dollars I grabbed my recipt then went to grab the money but the ATM sucked the money back in. Now both XXXX and Chime are giving me the runaround and want to charge me for filing a dispute. I'm a single mother trying to support my child on my own this money is for daycare. So I have talked to XXXX different people at each place and each person is telling me different things. I need help getting my money back ASAP. Because as of now I am not going to be able to work because without this money I can't pay daycare. Please help.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am writing to express my displeasure as to the manner in which Bank of America has handled my dispute regarding an erroneous charge of {$1000.00}, that has been posted to my account. I have provided very clear, documented proof to BOA on multiple occasions that the charge was invalid and should be reversed. At no point has any evidence of such alleged purchase been forthcoming, other than its appearance on my statement. Dispute actions have resulted in unable to approve your fraud claim. On several occasions during the intervening months Bank of America has exercised our right to recover the debt by withdrawing [ funds ] ( various amounts ) from my attached checking account. Each time I communicated with BOA about this, I was told to pay nothing while it was in process, and that it would be resolved. To date, I have only non-resolution, constant run-around, removal of funds, and countless wasted hours on this matter. I should also point out that I have visited my branch of BOA several times and at the last visit, the Branch Manager said she was shocked at the manner in which my claim has been handled. I ask the CFPB to help to resolve this matter. I did not make or authorize this charge. BOA refuses to provide any underlying information regarding the transaction as they say I am not entitled to see it. I dont think senior citizens should get this type of runaround treatment and I ask the CFPB to have the charge reversed, all interest and fees reversed and my funds restored. Thank you!
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (FL)

I was unable to make phone payment, I was directed to use an operator - after 8 attempts. I was unable to prior to this, to set up an online payment as I was directed to call an operator. So, i called an operator and was told to pay a late fee plus {$10.00}. I am paying off the card balance after closing the account without interest and fees per negotiation. I spoke with XXXX. This is an attempt to collect fees above my balance due. I gave my payment and told them not to charge a late fee or {$10.00} fee and that I would be filing a complaint with you.
Consumer complaint received 2023-02-11
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)

Ina ccordance 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