davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Can you please have these 3 lying companies investigate these inaccurate account. 

They do not meet FCRA and FDCPA laws, they are violating so many laws in my face. 

Can you please help me out, Ive disputed multiple of times, and they failed to do their job. 

They also failed to provide me with any documents concerning everything i disputed.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (VA)

AMEX REPEATS PHONE CALLS ON A DAILY BASIS PRIOR TO XXXX AM AND AFTER XXXX PM. EVEN AFTER SPEAKING WITH SOMEONE. THEY ARE SUPER AGGRESSIVE AND REPORT CONSTANTLY ON CREDIT. 

DATE OF OCCURRENCE PHONE NUMBERS AND TIMES ARE LISTED BELOW. 

XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX FURTHERMORE, THEY TRIED TO PUSH ADDITIONAL PAYMENTS ELECTRONICALLY TO MY BANK AND WERE RETURNED NSF. THESE ADDITIONAL PAYMENTS WERE NOT AUTHORIZED AND I INCURRED ADDITIONAL FEES AS A RESULT OF THESE AGGRESSIVE NON-AUTHORIZED ATTEMPTS TO COLLECTION ADDITIONAL PAYMENTS. THIS IS COMPLETELY UNETHICAL!
Consumer complaint received 2017-05-25
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. (GA)

I have notified  XXXX  on many occasions that this account do not belong to me. I have also informed them that this account was opened as a result of identity theft. But they have not removed this account from my credit file. I need your assistance in getting this matter resolved.
Consumer complaint received 2024-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (OR)

Loan was paid in Full XX/XX/, and escrow funds were not received and attempts to contact the company to reissue the funds were not possible due to loan being removed from Servicing. Also in need of a copy of the 1098 statement and complete loan history.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MD)

At XXXX today, XX/XX/XXXX, I received an email from Western Union saying that my transfer of {$100.00} was successful from a XXXX  that is unfamiliar to me. The supposed transfer was to somewhere in XXXX. The email included my full name, number & previous address. I reached out to Western Union & they provide me with a case number. Ive never used Western Union for anything.
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

I received a letter XX/XX/2022 with a court case on it. I called my local municipal court and they let me know it was for a debt owed, and not from the company i received the letter from. I was not served.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

XX/XX/2022 I receive a notification in my discover app that my account was blocked due to suspicious activity and provide me with a number I call the number, after verification steps I recognize the charges which were a XXXX dollar charge to my internet provider and another XXXX dollar charge. ( Which Im not sure if its even enough basis to block an account since I had paid my internet before ) They ask me to hold on the line and that Ill receive a code that Ill give back to them. Cant say for sure if they hung up on me or call dropped but I had very stable coverage. 

I call back and now they are asking me to upload some documents to the website to prove my identity. Instructions were to enter discover.com and find the secure document upload option. They mention that it may take up to 48 hours to process. 

( Of note, this is very inconvenient and dangerous since this leaves me without access to any money in case of emergencies ) One hour later as soon as I have access to my laptop I notice that there is no secure document upload option on sight in the websites front page. I call back again and they verbally guide me through the document upload using discover.com/sdu I call every day since then to check if my documents have been reviewed with no luck. When I ask if theres anything I can do to expedite the process given my situation they mention it must be 48 hours after document upload before they can pull the departments leg. 

XX/XX/2022 I call back after 48 hours have officially passed. Documents have not been reviewed. Agent tells me there is no such thing as pulling that departments leg. I describe to her my document upload process and she lets me know that the correct link was actually discover.com/upload which brings you to a similar looking part of their website and tells me I should upload documents there and wait an additional 48 hours. 

I am not sure what is going on but in all this process Im kept without access to my money.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166613 : A creditor may not treat a payment on a credit card plan as late for any purpose.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Fraudulent inquiries on credit report. 
1. XXXX XXXX XX/XX/22 2. XXXX XX/XX/22 3. XXXX XXXX XX/XX/22 4. XXXX XXXX XX/XX/22 Reported these fraudulent inquiries to Federal Trade Comission Report # XXXX Report # XXXX Report # XXXX Report # XXXX
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This vehicle was repossessed by XXXX XXXX XXXX in the State of  Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Consumer complaint received 2022-09-02
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. (VA)

- In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 2020-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

I received an email and letter on XX/XX/2020 stating XXXX XXXX virtual card account had been opened in my name. I had not opened any such account. I called their partner bank ( TD Bank, NA ) to attempt report the fraudulent account, but unfortunately, they have transferred and waited on hold for over an hour. Disconnected and tried again the next day with same result. The TD Bank service rep states they need to transfer me to the Retail Account services and then no one answers the call. 

I am currently on hold a 3rd time and have been waiting for 1 hour and 7 minutes ( so far ). I am highly frustrated that I can not even talk to an  individual at the bank to inform them of a fraudulent account opening. I am not sure how else resolve the issue, so filing a formal complaint with the CFPB.
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NY)

This is in reference to AMERICAN EXPRESS # XXXX that was recently charged off due to late payments. My grandmother was XXXX, her name is XXXX XXXX - due to her illness, I had not choice but to quit my job and take care of her. I am back on my feet now, I settled all my debt, but unfortunately I did it on bad terms that are now haunting my credit history. Please help me remove the derogatory items from my credit report as was promised to me by the representative from the charge off company that took my payment and promised that my credit will now be fixed and the derogatory item should no longer show up as late. I am a young professional, and it 's very difficult for me to get a job or one day get a house because everyone is looking at credit reports these days.
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (UT)

GC NUMBER : XXXX XXXX XXXX in 3 months withdrew from my banking account {$970.00} 5 Months : XX/XX/XXXX. {$41.00} XX/XX/XXXX. {$41.00} XX/XX/XXXX. {$280.00} XXXX I cancelled my debit card and ordered a new debit card XX/XX/XXXX. {$690.00} Bank authorized this withdrawal and now XXXX XXXX has the new debt card number. Then I cancell this card in XX/XX/XXXX and to this day I still do not have a debt card. 

In XXXX I disputed the {$690.00} through the Bank who said to resolve the charges with XXXX. I tried emails, calls, local stores to no avail. Finally I got the address of XXXX headquarters in my city. I asked the Service Agent for help. I am mocked, yes I am mocked! The agent says what do you want me to do about it? I leave very distressed, look back at the agent in the doorway with his back to me and he is swinging his hips back and forth. 

Now they want {$520.00} I am XXXX XXXX XXXX, have 2 phones, talk maybe twice a month and send 20 messages using XXXX2 gig I am on a run away train with no conductor.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VALLEY NATIONAL BANCORP (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2022-09-02
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: Avant Holding Company, Inc. (MI)

To Whomever Concerned Please Please understand that AVANT has misused my consumer credit report in multiple ways without any consent. Causing a deformation of my character, in which Im denied credit by multiple companies. AVANT claim an account using my personal information was opened online. In XX/XX/XXXX AVANT claimed the account went into negative causing them to add a derogatory mark on my credit report per in XXXX in which doesnt makes sense. In without my permission. Upon further research, on XX/XX/XXXX I asked the company AVANT in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the that AVANT has sold this debt to a collection agency by the name of XXXX XXXX XXXX XXXX XXXX. Again without any permissible purpose. Avant- continues to tell lies and refuses to remove the account they can not verify. XXXX XXXX XXXX XXXX IS CLAIMING THAT AVANT HAS SOLD THE DEBT TO THEM. IN WHICH IS ON MY CREDIT REPORT AT THE MOMENT AVANT IS IN Violation of MY RIGHTS AND BROKE MULTIPLE laws. THEY HAVE SOLD THE DEBT TO ONE COMPANY AS ANOTHER COMPANY CLAIMING THEY HAVE SOLD TO THEM. THIS ACCOUNT NEEDS TO BE PERMANENTLY MOVED.
Consumer complaint received 2024-04-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc. (MO)

XX/XX/year> amount : XXXX i wrote them a letter like this. 

I am writing to formally request to opt out of the sharing of my personal information as permitted by the provisions of 15 USC 6802. I am exercising my rights under this law to prevent XXXX XXXX  from sharing my personal information with any non-affiliated third parties, except as permitted by law. 

Please cease any sharing of my personal information with non-affiliated third parties as soon as possible, and ensure that my personal information is protected by the law.
Consumer complaint received 2022-08-29
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. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX  Account Number : XXXX Delete account for failure to failure to perform an investigation 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$6000.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$600.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (WA)

Santander Consumer USA , Inc on XX/XX/2021, there is an inquiry from this company, I have sent letters to the bureaus have them fix the issue. Decide to dispute it with the company which I send a fax too to thXXXX XXXX XXXX XXXX XXXX XXXX requesting them to delete the unauthorized inquiry on my credit report ; demand {$1000.00}. I have never done business with this company in my life or even given them authorization to pull my XXXX credit report.
Consumer complaint received 2022-09-02
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: General Motors Financial Company, Inc. (NC)

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Consumer complaint received 2022-09-02
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. (NY)

The credit bureaus ( XXXX, XXXX, transunion ) were notified and were given a chance to verify and correct bankruptcy information in my credit report. They responded that the information was provided by XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and was given a report that had no information regarding any bankruptcy. I sent the credit bureaus a copy of the report showing that there was no bankruptcy on my file and they still haven't changed this information. I provided the documentation sent and the updated consumer report for someone to follow up. Please have someone manually review my file
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (MA)

I received the email about your current settlement with Credit Karma about their deceptive practices of " pre-approved '' claims. I just received an email, from them, and noticed that they've changed their wording to " you have outstanding odds ''. Seems to me that's just as bad as their " pre-approved '' claims. Doesn't seem like they learned anything from the money they have to pay out.
Consumer complaint received 2022-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (ME)

I have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : 1. XXXX XXXX XXXX  XXXX account number XXXX. Delinquent 2. XXXX : account number XXXX. Delinquent 3. XXXX XXXX XXXXXXXX : no account number shown on the credit report 4. Capital One
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: JPMORGAN CHASE & CO. (FL)

I was contacted by financial institution on XX/XX/22 and let me to believe that my debit card was compromised I went ahead and provided information on in good faith later do I become aware that my debit card is being XXXX XXXX it on without my consent to the sum of {$500.00}
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (NC)

I had an outstanding bill from XXXX XXXX that was incorrect due to my insurance information in the amount of {$290.00}. I contacted XXXX and gave them the insurance info they needed for the bill to be satisified. They agreed, zeroed out the account. About a week later they contacted me stating that my insurance did n't cover everything and left a balance of {$57.00}. I said okay, send me an invoice stating that amount and i will pay for it. I have talked to them on XXXX or XXXX accounts because both amounts are showing on my credit report as collections. XXXX for {$290.00} and XXXX for {$57.00}. I asked them to remove those amounts XXXX times now, and they still have not done so. It 's affecting my credit score and it is hurting my home buying process.