davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. this account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (NY)

MONEYLION PROTECTS HACKERS WHO STEAL YOUR DATA AND PROMOTES FRAUD WITH THEIR PLATFORM I found that MoneyLion had opened a bank account without my permission and the only way I was notified was with the envelope that contained the debit card with the account number in it. I clearly did not ask for this and I do not want my credit to be ruined as a result. This was documented in two previous complaints, and they claim that they " helped '' by suggesting I submit to a credit freeze, even though their fraud detection failed and NO OTHER COMPANY HAS HAD THIS ISSUE. When I contacted the company to resolve this issue and figure out who had hacked my account, after admitting it was fraudulent, they refused to help me and instead sent me to FAQs about credit freezes, hiding behind their own privacy policies to protect the perpetrator who hacked me, claiming I have to file a police report to get this information. Why am I having to do this work to file out a report when their system was the one that failed?
Consumer complaint received 2018-07-11
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: CORELOGIC INC (TX)

I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The credit card opening terms promised a % XXXX interest rate on purchases good for 9 months. Although the statement itself does state so our purchase is showing as due in full. 

We had spoken via phone to the company and they had promised to reach out to us with a resolution. However, we had never heard back from them as promised.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I filed complaint XXXX regarding a bait and switch scheme by Capital One credit cards. Someone from Capital One 's corporate offices responded and left a voicemail, but the contact information included in her message ( an 800 number, extension, and case number ) did not allow me to reconnect. The 800 number was for a general customer service center and the three separate attempts made and agents contacted were not able to connect me to the person who left the message, the case number or extension provided, or even find notes about my complaint/situation ( despite previous contact with Capital One customer service ahead of the initial CFPB complaint in an attempt to resolve the issue myself ). I have no way of responding to Capital One 's voicemail and there have been no further attempts to contact me.
Consumer complaint received 2024-03-03
Product: Credit reporting 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)

I AM A VICTIM OF IDENTITY THEFT AND XXXX XXXX BREACH. 

HARD 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (CO)

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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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 XXXX 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 2022-10-25
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXX
Consumer complaint received 2022-09-28
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3200.00}
Consumer complaint received 2021-05-14
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: CITIBANK, N.A. (MD)

Dear Sir/Madam : On XX/XX/XXXX an unauthorized charge by XXXX XXXX XXXX XXXX XXXX, in the amount of {$120.00} was posted to my Citi credit card account ending in XXXX. I was also charged a " foreign transaction fee '' by Citi of {$3.00}. I reported the unauthorized charge and disputed the charges and received credit for both. I closed that account and requested a new card. When I received my statement, another unauthorized charge of {$120.00} by XXXX XXXX XXXX XXXX XXXX was posted to my new account ending in XXXX on XX/XX/XXXX with another foreign transaction fee of {$3.00} charged by Citi cards. I made several attempts to dispute the charge by phone and by chat. Citi does not have an e-mail address on their website for customer service to dispute a charge. I closed that account and received another card ending in XXXX. The disputed charge was transferred to my new account! I have since paid off the account minus the disputed charge. Citi has closed my account and is marking is past due which affects my personal credit to the point where my credit score has dropped considerably and it has affected my ability to get a loan. I would like to report Citi 's lack of help with this unauthorized charge on my account and that they transferred the unauthorized charge to my new card after I took the necessary steps to prevent this company from accessing my account. Thank you.
Consumer complaint received 2022-10-25
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. (GA)

ATTACHED IS PROOF OF THIS ACCOUNT BEING DELETED! PLEASE FOLLOW SUIT AND DELETE THIS ACCOUNT AS WELL. I formally request that the following inaccurate items be immediately removed from my credit report. They must be removed in order to show my true credit history, as these items should not be on my credit report. Here is a copy of XXXX findings and proof of their removal of these items. Pursuant to Fair Credit Reporting Act, I expect you to complete the removal within 30 days. 
Please send me an updated report as soon as your investigation is complete.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: MUFG AMERICAS HOLDINGS CORPORATION (RI)

I received my new Union Bank Visa Credit Card XX/XX/XXXX with a {$2700.00} balance transfer XX/XX/XXXX. I paid my first bill for {$40.00} minimum ( 0 % apr on the balance transfer ) on time XX/XX/XXXX. I paid my second bill for {$40.00} minimum on time XX/XX/XXXX. My third bill was emailed today and the statement says XX/XX/XXXX LATE FEE {$27.00} even though my XXXX out of XXXX bills for {$40.00} were paid on time. The minimum payment due on this third bill is {$93.00} which makes no sense.
Consumer complaint received 2022-04-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-25
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-05-14
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. (MD)

Equifax/ XXXX  is in Violation of 15 USC 1681b-Permissable purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to who it relates. 

I never gave Equifax or XXXX  any consent to report anything on my consumer report, No consent is identity Theft. Attached is a copy of the law. 

Concerning the account listed below as a consumer I'm demanding a deletion of this account immediately or I will seek damages in small claims court in my city and state. As the original creditor only I can validate the debt. I Do not Validate this debt. Please Delete all accounts from my credit profile immediately in the amount of {$2100.00} and {$1700.00}.
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST CREDIT FINANCE (GA)

I had a car loan for a XXXX XXXX XXXX with First Credit Finance that was repossessed in XX/XX/XXXX. This car was sold on or before XX/XX/XXXX. I was never provided any information as to the sale of this vehicle or any deficiency balance or credit as it is stated in California law Civil Code section XXXX reads : " Any provision in any conditional sale contract for the sale of a motor vehicle to the contrary notwithstanding, at least 10 days ' written notice of intent to sell a repossessed motor vehicle must be given to all persons liable on the contract. The notice shall be personally served or shall be sent by certified mail, return receipt requested, directed to the address of the persons shown on the contract, unless such persons have notified the holder in writing of a different address. The notice shall set forth that there is a right to redeem the motor vehicle and the total amount required as of the date of the notice to redeem ; may inform such persons of their privilege of reinstatement of the contract, if the holder extends such privilege ; shall give notice of the holder 's intent to resell the motor vehicle at the expiration of 10 days from the date of giving or mailing the notice, or if given by mail and either the place of deposit in the mail or the place of address is outside of this state, the period of notice shall be 20 days instead of 10 days ; shall disclose the place at which the motor vehicle will be returned to the buyer upon redemption or reinstatement ; and shall designate the name and address of the person to whom payment shall be made. During the period provided under said notice, the person or persons liable on the contract may pay in full the indebtedness evidenced by the contract. Such persons shall be liable for any deficiency after sale of the repossessed motor vehicle only if the notice prescribed by this section is given within 60 days of repossession and includes the following .... 

I reached out to XXXX XXXX on the following dates via phone, email, letter, certified letter and XXXX : XXXX phone & XXXX email, XXXX XXXX email, XXXX ( XXXX XXXX, XXXX XXXX sent certified leter ), XX/XX/XXXX ( XXXX  automatic resend ), XX/XX/XXXX ( XXXX  automatic resend ), and again today XX/XX/XXXX. 

They have yet to provide any documentation in writing that substantiates this balance on my credit report of {$5900.00} or {$9500.00} ( experian ). The first three email requests were sent prior to me learning about the California law Civil Code section 2983.2 ; which they never gave me an answer to and has called me twice when both the certified letter ( which they signed ) and my text messages stated I wanted all information in writing.
Consumer complaint received 2015-07-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc. (AL)

On XXXX/XXXX/15 I reached a settlement agreement with Gatestone agency to pay off my debt with a XXXX XXXX XXXX credit card. The settlement was for several hundred dollars less than the original amount, but I was assured that my account would be considered paid in full. One week later, my bank account was charged the remainder of the balance of my debt without any authorization from me or prior knowledge of this fact.
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (CA)

a fraudulent account was opened using my personal information. my personal information was stolen due to the data breach from XXXX insurance. i was made aware of this by XXXX XXXX. 

The account was XXXX XXXX loan for XXXX. I have attached a notarized FTC affidavit of identity theft and the letter from XXXX XXXX  indicating my personal info was stolen.
Consumer complaint received 2021-05-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (NC)

Rent Recovery system sent me a letter in XXXX of 2020 stating I owed Rent to XXXX  XXXX  I wrote back to Rent Recovery asking for verification of this debt because I never lived in those Apartments. Rent  Recovery said that they validate the debt I asked how did they verify the debt and asked for documentation showing I owed the debt they sent a move out summary which doesn't satisfy the requirements of the FDCPA
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: STATE FARM BANK, FSB (AZ)

My payment was due on XX/XX/XXXX and I made the payment at around XXXX MST. However, I was unaware that the payment needed to be made by XXXX XXXX Eastern Time, and I live 3 hours behind. Now I was charged a {$38.00} late fee which State Farm Bank refused to waive.