davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 5 accounts that I have been disputing since XX/XX/2020 I have. These accounts are not mine I have no idea who opened these or how. I have filed an FTC report I have A notarized Affidavit for Identity theft and I have written over 5 letters to the bureaus I have called them but nothing no verification no help I feel ghosted and I feel like I have to deal with someone elses doing an go thru a year of hassle for these accounts this is my last resort please help. 

XX/XX/XXXXAcct # XXXX {$14000.00} XX/XX/XXXX- Acct # XXXX {$3200.00} XX/XX/XXXX Acct XXXX XXXX {$5600.00} XX/XX/XXXX- Acct # XXXXAmt {$2200.00} XXXX XXXX XXXX Acct XXXX XXXX {$10000.00}
Consumer complaint received 2022-02-18
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. (MI)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Equifax. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed.
Consumer complaint received 2019-09-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC (TX)

I initially contacted XXXX regarding the vehicle I purchased and was immediately told with me surrendering the vehicle my credit score would severely be impacted. There was no way for them to work with me regarding the vehicle. I started calling them on XX/XX/2019. They turned the debt over to a collection company. The company has now started to call my family members. They should also provide to me how much they purchased my account for. I would like the information in writing.
Consumer complaint received 2024-02-08
Product: Credit reporting 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a Capital One credit card holder but also a retailer that accepts credit cards as payment for products and services. This qualifies more as a rant than a problem seeking resolution. After completing a purchase on XXXX yesterday using my Capital One Visa, I  subsequently received an email from Capital One : Hi, we saw you just spent {$220.00} on XXXX. Did you get the best deal on XXXX? 
The email then proceeded to pitch a competitive travel booking product called XXXX, associated with Capital One. 

If Capital One reached out to my customers after a card they issued was used to purchase my products and tried to steal my business I would find that unethical. Perhaps XXXX and similar vendors would like to know about these practices.
Consumer complaint received 2019-09-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

Account ready paid. More than 5 years affect my credit score. That accounts ready remove from my XXXX  report but not my XXXX   and XXXX  report. That fair that account paid still affect my XXXX   and XXXX report. I will like to removes this accounts completely from all my 3 report credit.Thank you for you help
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

I attempted to purchase tickets to the opera from XXXX. I thought I purchased two tickets totaling {$650.00}. When I printed the receipt and the tickets I discovered two problems. First the price I was charged was {$920.00}. Also the name on the tickets were not my name but the name of a different person and the price on the tickets was {$190.00} each. I attempted to contact the company by phone but was unable to reach anyone. I sent a few e-mails stating that I would not try to attend an event with tickets that were not in my name and wanted either tickets with my name for the price I agreed to pay or a refund. They responded that they were a third party seller and that there were no refunds and that this was the standard in the trade. 

I then contacted my credit card company American Express and they agreed to suspend the charge and would investigate. This would take approximately 6 weeks. It is quite disturbing to me that these actions are allowed. No where on the purchase site does it say that they are a third party seller and that the price and the names on the tickets would be different that my purchase. 

I never attended the opera and did not use the tickets. I informed them of my actions and intentions before the date of the show to give them time to resell the tickets but they refused to cooperate. This type of business should be closed down. It is totally misleading and deceptive to the public. 


I also purchased cancellation insurance on the same site from XXXX   and this also was a scam. I contacted them and they told me it was not covered. Seems like birds of a feather flock together.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

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 Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 seven 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I got the attached anonymous email from XXXX 's Chex Systems after I emailed them. They are being wholly evasive as to why their webportal did not/does not permit me to dispute what XXXX XXXX bank XXXX claiming is multiple, ( mysterious illicit ) " debit enquiries '' creating an unwarranted Chex Systems report on me. There should be no Chex Systems report on me at all.Chex Systems need to respond to the points herein and clear my name from their system or attach my Chex Systems report to their CFPB response and divulge the identity of whoever generated these mystery " debit enquiries '' and verify they are legitimate and were triggered by and authorized by me, and that their score they assigned me based on them, is legitimate and not disparate. I did not authorize them or, to best of my recollection, apply for any bank account except XXXX in recent years. 
Their email is deceptive in that it pretends I am not a verified user of the Chex Systems portal. 
As I already as stated in the attached XX/XX/2023 email to them, I signed up on their portal and verified my ID, which their portal acknowledged last week. 
I also on the portal requested my file last week and placed a freeze. Both of these facts were acknowledged and the portal stated that my file was en route to me by XXXX along with a freeze pin. This was last week. Nothing in my mailbox thus far. 
I then understandably tried last week to also switch my preference as to how to receive these documents, to online delivery, ( portal ), clicking on the portal button to change my preferences. I was dismayed to be rejected from that too, it demanded the pin that is supposedly en-route via XXXX Mail XXXX 
Aside from my initial question in attached email chain as to the mysterious multiple '' debit enquiry '' XXXX XXXX reportings that XXXX offered as cause for account opening denial, and apart from the still standing question of Chex Systems ' complicity in that, what is apparent now is a secretive company that implements catch XXXX circles of evasiveness and deception to avoid accountability and communication with consumers. 
c. 
XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendleton Capital Management (TX)

This collection agency has had several different people call me, my family, my friends and my manager at my place of employment which I can not have personal calls at work. The first person XXXX XXXX called my work number from, when she was told I could not received personal calls at work she demanded to speak with my HR department because she wanted to serve me with papers at my place of employment. She was told she could leave a message but keep insisting to speak with HR. After the call was disconnected she called back from another number and again demanded to speak with the HR department. Again was told no personal calls at work and her message would be given and to cease and desist from calling. She then called my manager and told him she needed to speak with me about a personal matter. One week later I get a call from XXXX on my cell phone, I specifically said please stop calling. Two weeks later I get 3 calls the last one leaves a message XXXX XXXX telling me he was going to forward my paper work for legal action, he also once again called my manager at work tell him a claim is being filed against me.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (NY)

I noticed a collection showed up on my credit report by XXXX XXXX XXXX stating original creditor as XXXX XXXX XXXX I in the amount of {XXXX XXXX contacted XXXX and Experian with a dispute, I have never had any accounts with XXXX XXXX XXXX, and have never heard of them, and have never recieved any phone calls or letters from them or from XXXX XXXX XXXX. XXXX and Experian did not remove it, they state the granter verified it. That is impossible.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PINNACLE RECOVERY, INC. (PA)

XXXX XXXX XXXX, Trustee mailed me a letter in which I called XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX in which they could not find or tell me nothing regarding the account of the said Debt of {$2000.00} in which XXXX XXXX XXXX XXXX XXXX has not contacted me in anyway by mail, certified mail or any other contact since 2015 in which there has been no statements mailed or any type of a said bill of {$2000.00} I dispute the bill and have contacted and filed with the US Attorney office regarding this matter of no contact since 2015 by XXXX XXXX XXXX XXXX XXXX of the said debt. There has or been any attempt of contact by Pinnacle Recover nor XXXX XXXX XXXX XXXX in any regards of the said debt in which I dispute
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (PA)

Westlake Financial is reporting this account as a repossession and a late payment on XX/XX/XXXX to all 3 credit bureaus ... .This is inaccurate. there was never a late payment on this vehicle and it was never repossessed. I have disputed this with all 3 credit bureaus as well as with westlake. 

There are multiple violations in the reporting of this account and i would just like the ones above fixed to reflect that this vehicle was never repossessed and that it was paid on time the month of XX/XX/2020 XX/XX/2020
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern Hi my name is XXXX XXXX XXXX XXXX, O traveled to XXXX in XXXX for two weeks and i had several problems with my debit/credit visa card from bank of america. 

A few times i used card and the monitoring transactions from bank of america locked my card a few times causing me public embarrassment and hardships due to not able to pay for what The services i was purchasing. Only after calling bank and put on lengthy holds it would be unlocked. 

After it id be always nervous if card would work or not. 

On the evening of XX/XX/XXXX i was out and went to a few places in XXXX XXXX XXXX where someone that worked at one of the establishments ive been seemed to have used my card for a number of transactions. About 24 of them. 

I received alerts later on that day stating for my surprise that my balance had dropped. I called the bank again and it seemed to be ok. 

On the morning of the 23rd i took my flight back into the United States and on that day I received an email stating i had {$3500.00} witch made me believe Everything was fine. 

I had debit card with me and used for my basic needs once in XXXX, fl. no problems at all untill on the XXXX where it was declined again. 

I called the bank they said my balance was now - {$2500.00}!! 
I checked my online banking and notice the fraudulent transactions 24 of them. Called back the bank and open a claim. 

Claim was then denied on XX/XX/XXXX as the bank claimed the transactions were fine and payment should have happened. 
The Bank said but it wasnt me. 

Claim total is about {$4900.00} Bank said i took too long to file claim. Well i was only aware of it on the XXXX and did it that very day. Transactions happened on the XXXX so that was 7 days. Federal law covers costumers for up to 60 days after fact.

Claim is now reopen after calling and calling and humiliating my self over and over where they say im the responsible that i have to monitor my account this that. They claimed to be monitoring it. They dis put 3 blocks on my card during the trip for very small transactions but they didnt went it was charged for 20 plus times minute after minute for way larger amounts that my spending pattern shows. Not only that my account was then overdrawn to about {$200.00} with returning fees included.

Where is my security where is my protection what do i do now?

Anybody can use this cards. Nobody ids u and no pin number is necessary crooks know it bank of america knows it but ITS MY FAULT ALONE. 

Please help me resolve this matter.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

have received alerts that my SSN was used reported by Experian. Can not get a live person to answer the phone at Experian to find additional information as to who used or how my SSN was used.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Dear Experian Executives, I wanted to let you know about my credit report issue. I have been a victim of identity theft and fraud, and unfortunately, I have been part of XXXX data breaches to date. Recently, I have been working with you and other organizations to get my credit reports and other information back in order. However, I have noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report despite being removed previously. 

I want to emphasize that this account and balance are not mine, and I have already taken the necessary steps to have it removed from my credit report. So, I would appreciate it if you could resolve this issue as soon as possible.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-17
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)

Recently I Disputed a XXXX XXXX  account with XXXX and Transunion regarding it not belonging to me. I received a generic response from Transunion saying they declined to block information I have identified for one of the following reasons : I made the request in error ( which I did not ), is misrepresentation of material fact ( which the fact is that this account was not authorized by me ), and I obtained possession of goods which is false, because there are no goods that were received.This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. At this point Transunion and XXXX continues to fail to do their job and refuses to correct information after being provided proof of inaccuracy. There has been absolutely no validation of this debt from either Transunion nor XXXX XXXX, and no proof what so ever that this account belongs to me. Per 1681a ( 2 ) ( B ) if a transaction was authorized by my social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from my consumer report. The only thing is that this alleged debt was not originated by my and no proof has been provided by Transunion nor XXXX XXXX.Notice, it is a fact. Transunion is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the XXXX Account must be removed. This is my last warning before I seek civil and criminal charges for violation of my consumer rights.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In early XXXX, I sent Capital One an email where I told them to cease and desist from calling me and sending certified mail. Despite this, I have been receiving calls from debt collectors working on their behalf, in XXXX. 

Also, it's come to my attention that Capital One did a number of illegal things while my account was still open. They were charging me just interest but putting it under cash advances. And when I signed up, they were charging me monthly for credit reporting I didn't want. Both actions have been up in class action suits. 

With my account limited. I can not provide the best dates. But if they provide all of my records, I can show they over billed me illegally.
Consumer complaint received 2023-06-25
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: EQUIFAX, INC. (TX)

This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 
XXXX XXXX Account # XXXX
Consumer complaint received 2023-06-25
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: EQUIFAX, INC. (TX)

This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc. (KS)

This is XXXX XXXX and I got a lot of credit through American first finance to repair my car and they ended up taking in total about {$400.00} out of my account which violated our terms of agreement. They were supposed to take XXXX out a week. The XXXX of XXXX to XXXX and from about XXXX to XXXX they took out XXXX and Ive been struggling to pay the weekly and took my account off auto pay and they hit me with all these late fees and that has done repetitive damage against me and I want to term our contract