davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Hello CFPB, Recently, I received of my credit report and multiple errors on my Transunion credit report. I am certain that these inaccuracies are affecting my credit file and costing me the ability to apply for other credit. Below are the items that I want verified or removed : - XXXX XXXX XXXX Late Payment/Account XXXX - I have verified with the credit department at XXXX XXXX  that this card should not be reporting AT ALL on my ( XXXX XXXX ) report because I was never a primary account holder on this account. I have already tried to resolve this issue, but since I am no longer on the account, I was not able to get a resolution from the credit bureaus. XXXX XXXX is my wife and the current account holder. Once I ( XXXX ) was removed as an authorized user, the card should no longer be reporting on my Transunion. My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of XXXX are clear, I require these accounts to be removed from all current and future credit reports. Also, please send me the contact information of any individuals and/or organizations you contact so I am able to reach out to them directly on my end. I am certain that 30 days gives them an adequate amount of time for them to take a look at these accounts. By my interpretation of Section 611 ( a ), it is stated that the failure to investigate these items within 30 days constitutes a reason to immediately delete these accounts from my credit file. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX
Consumer complaint received 2021-04-14
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. (MI)

All accounts are fraud. 

-XXXX  XXXX XXXX XXXX XXXX XXXX {$1200.00} -XXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$650.00}
Consumer complaint received 2022-07-26
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 (LA)

I called capital one on XX/XX/XXXX about my credit card late fees. I explained to the manager that the bank that I was using for direct withdrawals had an issue. I had to go to my bank and close my account then I was issued a new bank account. I didn't find out until XX/XX/XXXX that my account payment was unsuccessful. I had been on automatic payment since XXXX XXXXf XXXX. These {$25.00} fees are just ridiculous, & over the top. The manager refused to wave my fees and told me that she could not explain why. Also in XXXX, I had this same issue that's why I put my account on auto draft. A representative told me in XXXX that Capital One allows 5 fees to be waived a year. Representative today, XX/XX/XXXX told me that more than one fee can be waived ONLY if it's on Capitol One fault. all she could say is that she was sorry the previous representative lied to me.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (GA)

My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft PENFED FCU
Consumer complaint received 2022-07-26
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. (MO)

In accordance with the Fair Credit Reporting ActXXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

When I opened the checking account, it came with a XXXX points which Citibank didn't honor in the first place. After filling CFPB complaint, Citibank finally " found '' the recored and deposited the points. I combined the points into my credit card account and closed my Citibank checking account. The agent did not mentioned that there was an expiration date for the combined thankyou points. I was trying to redeem these points on XX/XX/2019 at XXXX but Citibank thankyou points system had problem to process the payment. I called Citibank at XXXX for 17 minutes. The agent said there was a system issue to process the payment and did not mentioned about the expiration date either. Today, I found out my points were missing, and I called in. The agent told me that my points were expired on XX/XX/2019. The citibank thankyou points agent once again could not find any record that I had called on XX/XX/XXXX. After transferred to the supervisor, once again they " found '' my calling record on XX/XX/XXXX that I tried to redeem those points but I could not due to Citibank 's system issue. Despite not telling their customer about the expiration date, they did not let customer redeem within the expiration date. Moreover, they always could not find record regarding their own promotion. Even they finally honor their promotion, they will have system error to not let you redeem your points. It's pretty ugly business practice.
Consumer complaint received 2023-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please be advised that as of XX/XX/2023, as listed on my most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. I have never heard of nor done any business affiliation with them. I've requested VALIDATION of debt but instead, I have received Verification of the debt. It has become increasing clear that they are being willfully negligent in rectifying my affairs. I have contacted them numerous of times the problem has not resolved. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Here is what the law states about investigations : 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

As a reference, please see the below accounts in question that must be REMOVE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Statement cycled on XX/XX/2021 for a full balance of {$910.00}. I made 2 payments, 1st was on XX/XX/2021 for {$110.00} and then the 2nd on XX/XX/2021 for the remainder balance of {$800.00}. The due date was on XX/XX/2021. Since I paid the balance in full is should not be charged the interest in the next month of {$6.00} that is showing due by XX/XX/2021.
Consumer complaint received 2024-05-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Hi This is XXXX XXXX I deposit my credit card payment by ATM machine. But ATM ate my money. 
I deposit {$2000.00} I got receipt for {$1400.00}. 
ATM ate {$600.00} and I go to the bank and ask to open ATM machine and refund my money the lady told me we are not allowed to open the machine. 
I call to the bank, they told me they have to investigate and I send them by mail and email my receipt. 
After 1 months they refused to refund my money. 
I call them many time and they dont resolve my problem. 
Here is the bank address and the time and date I deposit my money. 
Bank name is : Citi bank XXXX XXXX XXXX XXXX ca XXXX Date XXXX XX/XX/2024 At XXXX pm ATM ID number XXXX Please help me to get my money back. 
XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for an investigation of the disputed account, which Credit Bureaus claimed was verified. Since I believed they didnt properly investigate my dispute I contact the XXXX XXXX  on the previous month XX/XX/2022, via certified mail. They were responding proving to me that I was correct. XXXX, XXXX and TransUnion records show that it was incorrect. Since their investigation was done improperly, I need the following accounts listed below to be updated in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$7900.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have written to Experian requesting they delete incorrect names and addresses five ( 5 ) separate times. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They will not delete the incorrect names, aliases, a/k/a or the inaccurate addresses. I have only lived at one ( 1 ) address my entire life : XXXX XXXX XXXX, XXXX, Florida XXXX  and my true name, the only name I have ever used is : XXXX XXXX XXXX.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX I was checking my credit and notice that my credit score was dropping, I requested a free copy of my credit report and notice an account from XXXX on XX/XX/XXXX. I have never requested any of XXXX product, that would include banking services, loans or credit cards. To my surprised there is an account on my credit report in the amount of {$49000.00} with a balance of {$20000.00} opened XX/XX/XXXX. My birthday is XX/XX/XXXX, at the time that this account with XXXX was establish I was XXXX years old that would mean I was in the XXXX grade. I placed a call to XXXX on XX/XX/XXXX and spoke to a customer service rep, not only was she not helpful, but instead of understanding that I am a victim she treated me like a criminal. She informed me that I need to contact their fraud department which a did immediately after. The fraud department asked me for my SS which I provided, per the person in their fraud department they could not find anything under my SS number as an open account. Mean while this open account has affected my credit score, because my depth to income ratio is high. This account needs to be removed immediately and my credit score adjusted to excellent standing. Before 30 days
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2022 I deposited a check that my husband wrote from his business account. Check did not clear so I went to bank I was told that it would be a 7 day hold due to a new account. No problem that's policy. But also that my account had been flagged for suspicion of fraud with took me completely back I was giving a case number and called truist fraud department and was told I needed to bring in verification for the Check. The XX/XX/2022 which was a Saturday I took the check and my husband bank statements to show the check was cleared. I was told that the analyst had to complete there investigation and the funds and my account should be back up on the XXXX, XXXX. 
The check cleared my account on XX/XX/2022, and as of today, XX/XX/XXXX, I am still unable to use it and it is still frozen. I've spoken to multiple people who say they don't see why the account is still frozen after the 7-day window has passed. I've escalated this multiple times and I still don't have access to my account. I'm disappointed that I had a vacation but couldn't even use my own money. Is it even legal? 
Also I was never contacted I had to just call and go to banks until I was directed to the fraud department.
Consumer complaint received 2019-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have already tried contacting Portfolio Recovery Associates with 2 official notices asking to prove the debt is mine but they have produced no documents related to this debt, they just keep calling and sending me the same letter over and over again. 

At this point this needs to be eliminated from my profile.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CO)

On XX/XX/2021 I sent Midland a letter asking to validate debt, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, I received no response. 
On XX/XX/XXXX, XXXX I sent another letter I sent a follow up letter, regarding Fair Debt Collection Practices Act, 15 USC 1692g and also noticed the date on the account had been changed ( RE-AGED ). and I still have not received any response. But somehow the bureaus comments are updated that it meets FCRA requirements. 

On XX/XX/2021, regarding above mentioned items, and still have not received any response.
Consumer complaint received 2022-07-26
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. (NE)

in accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-07-26
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. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Collections : 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 XXXXXXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-26
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. (NE)

in accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2023-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I went to XXXX XXXX they sold me the vehicle that only lasted 3months. They refused to give up a copy of the original contract. They are tied in with XXXX XXXX and they prey upon the poor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is another extension to XXXX XXXX trauma. As for XXXX XXXX and equifax. I dont believe that the people who answered the phone understand that under Fcra all reporting has to be accurate and The law does not offer wiggling room. Niether agencies will throughly investigate because they are not familiar  with English  yet alone Americans law. I am formally complaining about all 3 credit bureau. And they should all be investigated for lack of up holding consumer rights and laws. They basically report off of each other without actually checking for required information. No original contract no signature required I did not buy the Car online. credit reporting agency refused to go any further than look at my account information I want a full investigation
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is reporting inaccuracies on my credit report. They are reporting this information without any validation of the account. Under the fair act 15 U.S.C 1681 a this is a violation of my rights.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I tried to apply for a card, I was told that there would not be a hard inquiry on my credit report. I was told that it would be a soft inquiry instead.
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Services, Inc. (CA)

ACCOUNT MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX {$550.00} This debt is claimed to be from XX/XX/2015. I have no recollection of it and was never notified of the debt or given the chance to cure.