davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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 (CA)

I booked a XXXX night stay at XXXX XXXX By XXXX at XXXX XXXX for a King size bed. Upon arrival, a Queen size bed was only available and the rate difference to be refunded was promised. In addition they gave us a breakfast voucher as an inconvenience. However upon return to the USA, the hotel refused such claims and the credit card company, Capital One refused to assist in the situation siding with the hotel. The matter of the fact is I booked a King size bed room for XXXX nights and was only delivered a Queen Size Bed for XXXX nights. I have records and receipts of the stay showing that.
Consumer complaint received 2021-09-04
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. (IN)

XXXX CONTINUES to bully us regarding our vehicle loan. Today, XX/XX/21, I received an alert that the status of 2 payments from MONTHS ago have changed AGAIN. They were delinquent, then current, and then changed to delinquent AGAIN. They CONSTANTLY do this. They are CONSTANTLY intimidating us. They are CONSTANTLY bullying us. Its almost XXXX. We have been trying relentlessly to transfer our loan elsewhere due to their constant unprofessionalism and disrespect. They know theyre damaging our credit by changing payment histories for the SAME 2 MONTHS over and over. We are tired of it!
Consumer complaint received 2022-06-01
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. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

EQUIFAX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice.
Consumer complaint received 2024-03-18
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. (MI)

I have reviewed my credit profile and identified items that I have disputed. I have notified the companies that I was opting out and notified them that my privacy has been violated. The accounts below I am demanding be deleted because I have notified the companies that I am opting out of any of the below accounts being reported also I didn't give any of the companies written permission to furnish any of the below data. 
XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX My privacy has been violated. Accounts being report has violated the Privacy Act of 1974. I also have sent each company a notice to opt out. The federal law 15 USC 6802 ( b ) Opt out In General A financial instituition may not disclose non public personal information to a nonaffilated third party unless- I never gave any consent for any of my personal information to be shared.
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XXXX XX/XX/2021 I send a money transfer in the amount of {$170.00} by MoneyGram to a person in XXXX. 
The money transfer has never been picked up. 
On XXXX XX/XX/2021 I call MoneyGram to their phone number XXXX XXXX XXXX XXXX I talk to a representative for 16 min. answering all kind of question not related to the money transfer, At the end of the conversation the representative told me that a manager will call me within the next hour. 
That never happen.
Consumer complaint received 2020-11-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (TX)

Here 's the body of the email received from Speedy Cash where you'll notice what I believe are numerous violations of the Fair Debt Collections Act and also what I believe are several violations of criminal law by holding himself/herself out to be a law enforcement official and an attorney at law. Everything in this email is my complaint in a nutshell : Attention, Debtor CREDITOR : Speedy Cash Group CASE NO : XXXX OUTSTANDING BALANCE {$1100.00}. 

After numerous attempts to reach you, we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly. 

Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA " Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken. 
The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for the delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized.

Note : You will be contacted by your local county authorities. 
XXXX XXXX XXXX Department is closing this account and declaring as a GUILTY. 
If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences. 
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT, CONTACT TO RESTITUTION DEPARTMENT : - mailto : XXXX Regards, Restitution Head Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.
Consumer complaint received 2020-11-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (MO)

Hello my name is Mr. XXXX XXXX and I have a complaint with the financial company Bridgecrest Acceptance Corporation account noXXXX, this is my auto finance company. The problem I'm experiencing with this company is their relentless tactics on refusing to comply with an attempt to negotiate a fair goodwill attempt to have them remove late payments on my account with them from a prior year, 2018 to be exact. I was an excellent paying consumer for about a year or so until an unfortunate circumstance where I had been scammed and filed police reposts, but going through this period caused several unfortunate late payments and they were made aware of this and even spoke highly of my prior payment history before and after this time period. To this day I am still making great payments to them however their reluctance to help me is causing harm to my credit bureau reports and scores. 

I may be contacted if needed at XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (SC)

I have an auto loan with Wells Fargo. If I am late in making the payment there is a late fee added which I understand. When I make my payment I always pay more than enough to cover all of the principal, interest and any fees that might have occurred but for some reason the late fees will not go away so you have to call them and in some cases make many calls to fix the issue. My wife had this happen also and it took a dozen messages and phone call to fix the issue. Wells Fargo Bank is charging millions of customers this same fee with this same issue and this was verified by a Wells Fargo employee. There is no way to pay the additional fees online and in my case and my wife 's we thought they were paid by the overage we were paying when we made the payment. It shows the late fee on the payment screen and a customer will think it's being paid but it is not. Please help fix this problem for many, many Wells Fargo customers
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

The amount of debt of {$270.00} is not accurate. The company, CCS COLLECTIONS has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating. I've disputed the item with the credit bureaus, and they did not complete a thorough investigation. Instead, they utilized a two-digit code and left remarks on my credit report " Meets FCRA Requirements '' This account needs to be investigated and removed from my credit report.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX Reference Account # XXXX, XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX Account 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 states : A consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-01
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  XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Credit Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX Reference Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Account 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 states : A consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX Opened XXXX {$4300.00} 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 2020-03-26
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am eligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found a car loan on there that I have never applied for. This item is not mine. Please remove this from my credit report.
Consumer complaint received 2024-03-18
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. (MI)

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 1

5 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 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

I have a XXXX XXXX credit card XXXX which was CLOSED BY CONSUMER in XX/XX/2022 pursuant to my phone call made to Barclays. Barclays has willfully violated the FCRA by failing to promptly report the account as CLOSED BY CONSUMER on my credit reports. My credit reports for XXXX, XXXX and XXXX still inaccurately list my account as OPEN. Even though I have a perfect payment history ascribed have never been late, I demand statutory damages of {$1000.00} for willful violations of the FCRA for failing to timely report my account to any CRA as CLOSED BY CONSUMER as required. I therefore DISPUTE any stale balance which is now {$0.00} after providing a credit of {$1000.00} for statutory damages. Therefore, I demand that my credit reports contained the required caption of Account DISPUTED BY CONSUMER and that the closed and disputed captions remain permanently on my credit reports even if Barclays disagrees so that additional willful violations can be avoided.
Consumer complaint received 2022-06-01
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX, has violated my rights XXXX 

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 2022-06-01
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. (SC)

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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, US Dept ED Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 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 2020-11-11
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: Experian Information Solutions Inc. (GA)

On XX/XX/20 I sent out 609 letters to all 3 credit bureaus XXXX, Experian, and XXXX. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.
Consumer complaint received 2022-06-01
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. (CA)

For over 5 years now I have been disputing items on my credit report one is XXXX  XXXX XXXX on all XXXX bureaus and XXXX  on XXXX and XXXX they both were removed because of fraud but after 5 months showed up again which is illegal for them to keep reporting a fraud account they say it will be removed now in 30 days and absolutely do nothing about it.And now due to a mixup on there end I have some type of collection reporting which has nothing to do with me on all XXXX bureaus it is sunrise collection agency and that is fraud as well.Sent them all the documents requested they remove it and after a few months report it again and Experian has been charging me for the past 4 months and it keeps saying I cant check my XXXX or XXXX because someone elses information has been mixed with my credit file but yet charge me XXXX every month for services I cant use and when I call them they say they will issue refund but nothing happens I would greatly appreciate it if you can assist me in this matter thank you.
Consumer complaint received 2022-06-01
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)

I sent my letter off on XXXXXXXX XXXX2022. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX  XXXX ( XXXX XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX  ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation (NC)

I check my credit every now and then I checked it today and noticed my score was way down I seen an account for aspire I did not open this account I am so mad the bill is {$500.00} I lost my phone for two weeks Im assuming thats how someone got my information please help me