davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ad Astra Recovery Services Inc (TX)

On XX/XX/XXXX, Ad Astra Recovery Services ( on behalf of XXXX XXXX ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with XXXX XXXX in XX/XX/XXXX, and subsequently worked out a payment plan with XXXX XXXX and Ad Astra in XX/XX/XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( Ad Astra claimed to have sent letters but I have received no such letters from Ad Astra ). 

A year later, Ad Astra charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted XXXX XXXX on XX/XX/XXXX, and was told that they had placed the account with Ad Astra and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at Ad Astra, I was told that they believe the transaction is valid and that they would not refund it. 

I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, XXXX XXXX and Ad Astra essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that Ad Astra did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019 I experienced hardship due to the XXXX shut down that had taken place. I called into Capital one and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent letters to the credit bureaus over 30 days ago, matter of fact it's been over 45 days since I have sent in my letters letting them know that there were inaccurate accounts on my credit profile that were not authorized. I was impacted by the XXXX data breach and I feel like my information got into the wrong hands. I sent in my dispute on XX/XX/year>, almost XXXX months ago and still no response. I feel like I am being taken advantage of and that my issues are not being handled seriously. According to the FCRA any inaccuracies on a credit profile must be removed immediately. If this isn't resolved I will be forced to file litigation. Thanks for your help with this manner
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Remitly, Inc. (CA)

Last Monday, XX/XX/XXXX at around XXXXXXXX XXXX, I received unsolicited multiple text messages from Remitly stating that " We were unable to process your transfer to XXXX XXXX we need additional information from you. Log in to your Remitly account for details. 

Remitly knows that my account is already closed! because it was REMITLY themselves who closed this account because of unrecognized transactions that were made without my knowledge! I HAVE NO INTENTION OR INTEREST TO SEND ANY MONEY TO ANY PERSON I KNOW OF! 

I REPEAT, I NEED MY MONEY BACK WORTH {$9900.00} THAT ARE IN REMITLY ACCOUNT FOR TWO ( 2 ) MONTHS NOW!
Consumer complaint received 2023-10-27
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. (MA)

I am writing to dispute inaccurate information on my credit report that I have reported to XXXX. On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report, and to this date, they have not responded. The details of the inaccurate information and the required corrections are as follows : The following account is not mine : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$10000.00} Please remove it from my credit report. 

The following account was never late : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$2000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$520.00} Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2022-05-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number 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 an account with my written instructions.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Delete the identity theft-related accounts from my credit file within the required timeframe, as mandated by FCRA. This is a final warning : If the listed accounts are not blocked or removed, legal action will be taken, and my attorney is ready to ensure accountability for your noncompliance. XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove.
Consumer complaint received 2023-02-16
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: U.S. BANCORP (OH)

This situation began when I purchased concert tickets on XX/XX/XXXX using my U.S. Bank credit card ending in XXXX. 
I then paid the balance in full. 

XX/XX/XXXX - I filled for a charge back because I was working as a traveling front line health care worker and would not be in XXXX  on the new date. 
I live in XXXX XX/XX/XXXX - The charge back was denied to me by U.S. Bank. 

XX/XX/XXXX - XXXX notified me by email that me concert was postponed until XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was postponed again. The new date was scheduled for XX/XX/XXXX. 

XX/XX/XXXX - XXXX notified me by email that my concert was CANCELLED and my REFUND WILL BE PROCESSED BACK TO MY ORIGINAL FORM OF PAYMENT. That card ( ending in XXXX ) had expired. 

I ordered a new credit card and was told that my refund would automatically post to my new card. 
( I was told by XXXX more service reps on subsequent phone calls that my old card and new card would be linked. ) XX/XX/XXXX - I requested a refund from XXXX. 
XX/XX/XXXX - XXXX emailed me that my refund will be processed within XXXX days. 

XX/XX/XXXX - I entered the credit card number of my new U.S. Bank credit card on my XXXX account so they could process my refund on to the new card. 

XX/XX/XXXX - As requested by me XXXX processed my refund back to my expired credit card ending in XXXX on XX/XX/XXXX but when I called U.S. Bank they told me they could not process my payment. 

There have been MANY phone calls and emails to both XXXX and U S. Bank concerning this refund. 

I am told by XXXX that the refund has been processed on their end and it is U. S. Bank that has the issue. 
I am told U. S. Bank that they can not process my refund. 

I have told them on multiple occasions that I don't understand why my refund is not being returned to me. 
I am under extreme duress due to this and need help to resolve and get my money returned to me. 

I called US Bank on XX/XX/XXXX to let them know I'm want to fill a UDAAP claim and they said they didn't know what that was and they couldn't help me. 

I have sent many emails and made many phone calls and have left a lot out due to the extent of my documentation. 
I can give any info that is needed. 
Thank you, XXXX XXXX.
Consumer complaint received 2023-02-16
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I went to XXXX and did a rental with budget car rental they charged me for my rental which was {$330.00} on XXXX XXXX- XXXX XXXX. I returned the rental and received my deposit, and everything was OK. 
Until a month after I saw a charge from budget for {$240.00}, which I didn't authorized. I then called Capital one and told them and we started a claim. I tried contacting budget and they hang the phone up and when I email no reply. 
Capital one did no investigation they just keep denying my claim. It's unfair for my to pay for this charge.
Consumer complaint received 2023-03-06
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: CrossCountry Mortgage LLC (IL)

In accordance with the Fair Credit Reporting Act, this creditor ( XXXXXXXX XXXX XXXXXXXX ) has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (OK)

Called for payoff amount. Paid the amount they told me. Now there adding more interest. Its paid off and they refuse to send me a statement saying that and they refused to let me talk to a supervisor. This is a fraudulent company!!!!!!!!!!!! Straight up.
Consumer complaint received 2023-10-27
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: SANTANDER HOLDINGS USA, INC. (OH)

I am a victim of Identity theft. I did not authorize anyone to use my personal information and credit cards to make transactions with this company. This account should stop and block furnishing information to any credit reporting agency immediately.
Consumer complaint received 2024-03-13
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. (CA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica (CA)

hi i been using a acct with direct express i get ssi benefits from Social Security comerica bank has something to do with them i also know comerica bank has been under investigation.i cant use my card i have over XXXX dollars in the acct i been trying to call customer service from 6am 2pm no one answers it gos to a recording in all my years of doing bussiness with a financial institution this has got to be wores this is absolutely total freaking garbage they need to be shut down they need to be gone have nice day ....
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (NC)

In XXXX oXXXX XXXX I found 3 unvalidated collections had been added to Experian 's credit reporting service under my name. I disputed with this bureau last XXXX and they left the collections in place. Then I contacted the collection agency, XXXX XXXX XXXX, mailing them via certified mail a request for them to validate the debts listed. On XX/XX/2022 they sent my a pack of documents that gave line by line medical codes, medications, and procedures performed. There was NO ORIGINAL SIGNED CONTRACT bearing my signature, no signed XXXX release attached giving this creditor access to personal medical history and data. There was nothing in this mailing to me that indicated they had any relationship with the original creditor to collect this debt. According to federal guidelines, they had FAILED to validate these three collections listed on my report with this bureau. I did not realize how my rights had been violated until meeting with a lawyer last week, who informed me of what had been done and gave me instructions to do next. I began a second dispute online with this credit reporting bureau, this time uploading my supporting documents that XXXX had failed to validate the three debts. After only 2 days, Experian came back with the results of their " investigation '', leaving the unvalidated three collections on my report!! I feel that the reporting bureau did not even look at my documents or bother to read my dispute. This is an outrage! I demand that Experian Credit Bureau remove the three collections that XXXX has placed on my credit. This has severely damaged my reputation, my ability to borrow money for nearly a year now! I demand restitution. According to federal guidelines regarding credit reporting, that I am entitled to have Fair and ACCURATE reporting on my credit!! This is a serious situation!
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Dividend Finance Inc. (MD)

I got approved for a loan for Solar installation from Dividend Finance, via Maryland-based XXXX XXXX XXXXXXXX , in XX/XX/XXXX. I completed all the paperwork and have been waiting for installation that's been scheduled for XX/XX/XXXX I received an email from Dividend Finance on XX/XX/XXXX, stating that they have cancelled my loan. I called the company on XX/XX/XXXX and spoke to someone who identified themself as XXXX. She gave me the following reasons why the loan was cancelled : Documents not signed Proof of ownership verified on XX/XX/XXXX Insufficient credit history Inactivity on the account After each reason, I explained how that did not make sense since that reason did not apply - and explained why and provided the evidence. XXXX then said I have to wait for a letter they mailed to me. I explained that I needed to know now what was happening as my installation is fast approaching. I asked to speak to a manager and she hang up. 

I finally got the letter electronically on XXXX XXXXXX/XX/XXXX, and it states the loan is cancelled because of insufficient credit history. This is interesting given the loan was approved with my same credit history and a lower credit score back in XX/XX/XXXX. 

At no point before the cancelation notice did I receive any request for from Dividend or XXXX XXXX XXXX for additional documents or information that I failed to provide. Dividend 's decision to cancel the loan feels off and discriminatory. The reason they provide makes no sense. Please look into this for me. Attached is a copy of my contract with them. Thank you.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I discovered on my report inconsistency with the condition of the account. By law it is my right to have everything reporting on the said account is absolutely accurate. It seems to be innacurate and iconsistent amongs all 3 bureaus.
Consumer complaint received 2022-05-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 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 XXXX not furnish an account with my written instructions.
Consumer complaint received 2023-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

On XX/XX/XXXX around XXXX my XXXX XXXXXXXX XXXX  was repossessed by westlake financial. The owner of the tow truck showed me that westlake financial has a tracking device on my car. I was not made aware nor did I sign a consent for the dealership or westlake to track my location. ( Civ. Code 2983.37 ( a ) ( 2 ). This is one of many of my rights that westlake financial has violated. I refuse to continue making payments on the vehicle due to my right to descend. A down payment was taken from me at the day of purchase which is also against the law. Westlake stated the will apply a XXXX credit to my account which was the amount of deposit I was asked to pay. They stated my rights were violated by the dealership and not them. I am in the process of trying to sue westlake financial for violating my rights and for emotional distress but it is a bit difficult since I live in a different state.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like l 'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.