davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
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. (IN)

I called TransUnion on XX/XX/XXXX to get rid of the inquiries that were removed and placed on my credit report again. I was a victim of their inquiry issue.My inquiries were deleted and added back my TransUnion because of their glitch. Transunion didnt send any paperwork about the inquiries that were added back. Transunion placed those inquiries on my report without my knowledge.Customer service would not help and take care of the negative inquiries reporting on my credit report. 

These are the inquiries that Transunion placed on my report.

XXXX XXXX Date Filed XX/XX/XXXXXXXX/XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX Address XXXX XXXX/XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX-XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record XXXX/XXXX Date Filed XX/XX/XXXX Type Department, variety, local, regional, and national chains Phone Number ( XXXX ) XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have had 4 accounts from Capital One secured cards trying to be opened on my account. I lost my social around 3 years and I think this might have something to do with it. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These remarks arent letting me get a credit card and Im expecting in less than 6months. Help please!!!
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I tried to pay my credit card with the atm machine ( I took money from my husband card I minute before it was ok ) the machine get my card and ask from the money i wait like 3 minutes and they gave me a paper that said that we apologize but we can proceed. The same day I called bank of america and make the claim they said i have to wait 7 to 10 days i call next week and they tell me that they have my call but not my claim. I have to do the claim again I still waiting for and answer but I didn't get nothing.
Consumer complaint received 2017-05-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

On XX/XX/12 I was victim of scam and I sent money through XXXX ( {$500.00} ) using my banking app. I called the bank immediately to report that with the hope they could reverse the transfer, but they told me that they cant do anything even though I was reporting as fraud.
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY (NY)

As an XXXX, I had provided services to XXXX & XXXX XXXX at XXXX XXXX XXXX in XXXX, NJ XXXX under a contract we'd signed in XX/XX/2022. 
While they paid the first two payments, they changed their mind and their project required additional work. As my agreement with them allowed me a range between $ XXXX in cost, I had therefore charged them additional funds ( total of {$11000.00} ). 
While this is irrelevant to you as a consumer financial protection bureau, the next part is. 
On XX/XX/XXXX, XXXX XXXX signed a TD personal check to me for the final amount of {$5500.00}. I deposited it in my XXXX XXXX  on XX/XX/XXXX and it was returned by my bank on XX/XX/XXXX with a strange comment : " warranty Breach ''. I went to TD Bank and they could not explain or help. I went to XXXX and they tried to recover more info. I emailed the chairman of TD Bank, who said it's a legal act : In response to your below e-mail, we have confirmed that Customers do have the ability to place stop payments on any check written from their account, provided the check has not already been cashed. The transaction can be stopped up to and including the posting date. 
At this time, your only recourse would be to pursue legal action against the maker of the check, who placed the stop payment. 
Thank you for allowing us the opportunity to review this matter. 
Regards, Chairman 's Service Center Office of the President and CEO TD Bank, America 's Most Convenient Bank I spoke to several legal professionals in the banking compliance field and they agreed that it's not legal to stop a legal tender signed not under duress, fraud or loss of check. 

If the payer had misgivings about their payment or agreement, they should have addressed it with the service provider ( Me ) rather than stop payment on a legal tender. 

Our economy is based on receiving payment for goods and services, if anybody could stop payment on their legal payment, forcing the receiver to spend time and money on collection of the checks they received in good faith, it'd crate havoc.
Consumer complaint received 2020-11-10
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. (GA)

Requested validation of debt. I keep on receiving notification that the debt has been validated. I have sent several request for validation and have not received any thing. This collection account was added to my credit report on XX/XX/2019 and I never received any call or letter in the mail from this company notifying me of any debt owed. I have been fighting for a resolution and I am not getting anywhere. 

Company : XXXX XXXX XXXX Date opened : XX/XX/2019 Amount : {$730.00}.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX i used my debit card to pay {$560.00} for a rental car service threw third party booking company called XXXX For the dates of XX/XX/XXXX XXXX XXXX XXXX from rental car company XXXX XXXX  when i arrived at the rental company they told me the car i paid for i was to young to rent, they told me my money was transferable to any car the have available, but they didn't have any other cars on the lot they didn't have any cars available for me and to request my refund from XXXX, XXXX denied me a refund. I requested to dispute the transaction with XXXX from my bank, chase bank, and submitted copy evidence of XXXX refusing to refund me and provided substantial proof and along with XXXX refund policy, chase bank looked over the documents XXXX sent to chase and denied my transaction dispute, favoring XXXX. I requested copy of documents XXXX sent to chase claims, and it was only a screenshot of the order confirmation, but was also told by XXXX claims they can not accept my documents of XXXX chat because they where screenshots.
Consumer complaint received 2021-02-15
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. (VA)

I sent a letter to the consumer reporting agency, Transunion on XX/XX/2021 to notify them of inaccurate and obsolete items on my credit report. After 30 days with no response, I then sent a letter on XX/XX/2021 notifying the reporting agency they were required to notify me of their investigation results within 30 days but yet they had not provided me with results or updates within that timeframe.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I used XXXX to transfer money for a condo rental. Once I realized I was scammed I immediately called Citizens Bank to cancel the remaining g amount of {$950.00}. I received. Confirmation number and was informed it was cancelled. I then discovered citizens paid the amount to the scammer even after I cancelled. They will not refund my {$950.00}. it from another one of my accounts which I did not authorize when they, citizens suspended the transaction. 
I filed a police report who requested I call back with more info from the bank. The bank did not contact XXXX XXXX XXXX  to notify them of this fraudulent activity with their account holder. They help the criminals by not reporting for investigation. 
They took my funds AFTER it was cancelled with a cancellation claim number.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (RI)

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 all these inquires are from auto dealers i did not authorized please help thanks
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime (SC)

I have tried to reason with XXXX XXXX Drive time about my overdue balance since the car was repossessed, all I wanted is for it to be removed so that it won't affect my credit score anymore.i was XXXX XXXX XXXX XXXX and couldnt not work to afford the payments while hospitalized.
Consumer complaint received 2022-11-18
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. (FL)

Multiple accounts were opened in my name with XXXX XXXX XXXX XXXX, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to XXXX XXXX. My identity was stolen. I have already reported fraud to the company XXXX XXXX on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my credit score has been effected.
Consumer complaint received 2019-06-27
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have constantly received phone calls from this organization with different phone numbers. I received a phone call on Sunday at XXXX XXXX   local time. I confronted them how I believed this to be illegal. They hung up on me. They attempted to reach me today and would not verify who they were until they tried gathering information from me. When I would not verify any personal information because I did not know who they were, the woman began to get argumentative and rude to me. She finally stated she was calling from Portfolio Recovery. I responded back saying that it was illegal not to identify that it was an attempt to collect a debt from the very beginning in the conversation. She kept arguing with me and stating that I was wrong. I am tired of them calling from different numbers on a daily basis. I tried resolving this a year ago, and they would not work with me.
Consumer complaint received 2023-03-15
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: WELLS FARGO & COMPANY (NY)

I applied and was approved for the XXXX XXXX XXXX XXXX Credit Card from Wells Fargo bank on XX/XX/XXXX. The email I received mentioned that I will earn XXXX point per each rent dollar spent on the XXXX  card, but it doesn't mention that I need to have at least 5 transactions for each statement in order to get the points. Wells Fargo never sends me an email to remind me you have such a policy. I thought you are like other credit cards and accumulate points when you do the purchase. This is like a false advertisement. Now I use the card to pay rent on XX/XX/XXXX for {$5500.00} and XX/XX/XXXX for {$1900.00} the points have all been canceled because I don't know you have the requirement for 5 transactions for each statement. Also, My card has encountered fraudulent charges and has been replaced several times early this year and I have no way to use it.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX XXXX is attempting to collect a debt from apaypal account from XXXX. The account indicates XXXX due. At the time this occured it was erroneuos charge through paypal using my credit card. The amount was used to purchase a laptop. I ws alerted from paypal at the time and was informed the charge was reversed. In approximately XXXX of XXXX I received notification of the amount going to collection. When the erroneous charge took place through paypal I had my bank account also linked to the account. I was advised to close my bank account and the paypal account. I have never heard fro paypal for 6 years until the alleged account was sold to XXXX XX/XX/XXXX I contacted them multiple of times including a notarized affidavit and the charge still shows up on my credit report.
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Innovative Funding Services, L.L.C. (CA)

I applied for a 2.91 % lease buyout with Autopay. Turns out they don't offer 2.91 % and they do not offer lease buyouts. I deleted my social security number before I submitted the app. The language stated the social security number would give them a more accurate determination. However, without the social security number they would provide a range. Both were false statements. They some how encrytped the number and had it when Autopay rep called. I was told they don't have 2.91 % even though it's on their website. I started getting calls from TRESI a company affiliated with XXXX. I never applied for a loan with them. Their representative called me to put an application in and I refused. I never applied for credit with them. 

I received a notice of adverse action and I never submitted an application. I never gave them my social security number. I have superior credit score and I demand action. This is outright fraud.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$790.00} DEPTEDXXXX XXXX Balance Owed : {$29000.00} DEPTEDXXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX XXXX Owed : {$4600.00}
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

After reviewing documents requested from company under the name : Portfolio recovery and associates inc. I have noticed multiple inaccuracies and violation under the consumer laws. As a result, I hereby challenge any claim that may owe ; the company. 

Reason ; the company has my name & address inaccurately ; violation The company has inaccurate, misleading amounts owed ; violation The company has not provided proof that statue of limitations has not passed in my resident state ; violation Company has not provided required license or bond to collect a debt in my state of Florida ; violation Company has not provided documents of which may show my signature as proof that I agreed to pay what the company claims I owe ; a violation of FDCPA
Consumer complaint received 2022-11-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (NY)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent account : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.