davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
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. (IL)

1. The lender (   XXXX   XXXX   )  receives notice from  XXXX  Police Department that my vehicle is being held in the impound.  XXXX   XXXX   XXXX  )  2. T he lender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early if ...  ( e ) th e vehicle is seized by any local, state, or federal government or authority. ' ' (   XXXX   XXXX   ) 3.   R epossession agency  (   XXXX   XXXX , state license  XXXX   ) s ent letter to me notifying me of " my right to retrieve my personal effects or other property. ' ' (   XXXX   XXXX   ) 4.   Lender sent me " Notice After  Repossession. '' (   XXXX   XXXX   ) 5.  Lender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession.  '' (   XXXX   XXXX   ) Pulled cr edit reports from the  XXXX  credit bureau s (   XXXX   XXXX   ) 6.  Disputed the accuracy from my auto lender  (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks from  XXXX   XXXX  to  XXXX   XXXX  deleted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit burea us. (   XXXX   XXXX ,  XXXX  )  8. Inf ormed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal la w 15 USC 1681i ( Proc edure in case of disputed accuracy ), and hung up while I was talk ing. (   XXXX   XXXX ,  XXXX  )
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the federal credit reporting act this creditor has violated my rihjt under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose
Consumer complaint received 2023-07-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/2021 my mom passed away. I was the trustee on the account for the mortgage and the estate of my stepfather to take care of my brother. The loan was automatically debited from our bank account each month XXXX 's payment was missed due to financial hardship as my mom passed away XXXX came and I made a payment XXXX came and I made another payment XXXX came and I made XXXX payments then I got a letter from loancare stating that we were taking off of automatic XXXX and that we were alone I tried to communicate with him sending him all the papers that they requested I also tried to make payments for what they said the defaulted and they denied them. I was in communication with I was also in communication with loancare on numerous occasions asking exactly what they needed to be able to bring current I don't understand why we were denied as we were the only living children they also said that they had made my brother the executor of the estate and I just received a letter stating that that was a mistake in their revoking it now and it's 2 years later. Every time I speak to an agent from their office they give me different documents that they need that I've already sent I've sent all documents over six times for them to say that they can't read them they're blurry to I needed one more name change document to each time it's something different so I feel like I've gotten the run around and they're forcing us out of our home and my mom passed away during covid and my brother is XXXX and I am his XXXX. I went to the title company who has named my mom on the title for the loan company doesn't show her anywhere.
Consumer complaint received 2021-10-18
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. (NV)

On XX/XX/2021 I received correspondence from XXXX XXXX XXXX where it states that XXXX XXXX is the Original Creditor for this debt. I have never made an agreement to pay this collection agency. I have not signed any contract with XXXX XXXX XXXX stating that I will pay them. The only thing that should be reporting to my credit report is data that is been validated and this XXXX XXXX XXXX account has not been validated. XXXX XXXX XXXX is using deceptive credit practices and that is unacceptable and against the law. I know my rights and according to 15 USC 1692g I am the original creditor and I am the only one who can validate this debt. I do not validate this debt. In a previous CFPB compalint Experian stated that they " [ need ] authorization from [ me ] to proceed with [ my ] complaint. '' This is MY authorization for the Consumer Finance Protection Bureau to proceed with my complaint. I have attached my drivers license and utility bill as proof of identity and proof of address, something ONLY I can have. So there should not a be a response to this complaint from Experian saying that they still need my authorization, this is it.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

on the XXXX separate mobile deposits I did, the checks I deposited were covered from my XXXX check that deposited into my account XXXX hours after my atm deposit. I was charged XXXX NSF fees, the total amount of the checks which were almost XXXX dollars, and this is what this complaint is about. My XXXX covered the checks hours after I did the atm deposit. so, I was never negative also, I should have never been charged NSF fees on the checks. I had anywhere between XXXX NSF fees XXXX So, the ONLY resolution to this is for US Bank to reimburse my NSF fees I was charged and the almost XXXX dollars for the checks. They did give me a partial credit but I'm still without money because of their due diligence.
Consumer complaint received 2021-04-18
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2020 I requested a refund of {$790.00} to the company XXXX. After a few months and no noise from the company, i reached out on XX/XX/2020. No feedback. I waited a few more months then on XX/XX/2020, I started a claim with Apple Card to get my payment back. They chose to be in favor of the merchant. From that point until now, even after all the documents and proof of XXXX not complying to my orders of a full refund, they still have not refunded the money. I have made XXXX chargeback claims through Apple Card with no avail.
Consumer complaint received 2022-10-20
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. (LA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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. 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  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 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 2019-06-28
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. (IL)

I have contacted Equifax and let them know that I have two accounts reporting on my credit that are not mine. They continue to report inaccurate information. The fraudulent accounts are listed as US Depart. of EducationXXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I logged into my XXXX XXXX mobile app and found three unauthorized transactions pending on my account. All pending from today ( XX/XX/23 ) of {$200.00}, {$200.00} and {$50.00} all from MoneyGram. They were sent through my MoneyGram app to XXXX and to a person I never heard of. It was funded directly from my checking account. Typically, I only send funds to my family in XXXX using my debit card but these transactions were done to a different country, using a different funding source and to a brand new recipient. Even with numerous failed attempts ( confirmed in the transaction history on the money gram app ) MoneyGram did nothing to alert me of these suspicious transactions. They failed me as a consumer. Instead of protecting their customers, they allowed the transactions to be processed but then cancelled my Mobile Banking account and not offer me a reimbursement after I filed a fraud claim. They have restricted my access to my transaction history to document this fraudulent activity. All they did was log my complaint. Im left being responsible for these unauthorized transactions. In order for me to obtain any more information on this matter from MoneyGram, I need to have law enforcement make the request through a subpoena, making it difficult for any consumer to resolve. We know how difficult it is for law enforcement to obtain a subpoena, especially when there isnt a suspect involved. Essentially, they are keeping all information, perpetuated by the fraudster, from me, the victim, while leaving to absorb the loss. All I was able to do was file a claim with my bank and with Money Gram to dispute the transactions.
Consumer complaint received 2021-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.
Consumer complaint received 2023-07-17
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 (VA)

In accordance with the Fair Credit Reporting Act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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. 

XXXX XXXX : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XXXX XXXX  : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XX/XX/XXXX ( 90days late ) XX/XX/XXXX ( 120 days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late ) Capital One Auto Finance : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30days late ) XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 30 days late )
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (UT)

In my XXXX account portal i have a collections for {$700.00} from a company ive never done business with or permission to contact or report on my behalf. Aswell the amount highlighted on the collection is incorrect and false. this has cause grave anguish in my personal life as it has affected the way i am viewed and tarnished my name for future relationship with creditors. This company has attempted to collect this incorrect/false debt by harassing and calling repeatedly as well as reporting with XXXX this incorrect collection and tainting my image. 
thank you.
Consumer complaint received 2021-04-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (CA)

In XX/XX/2021, I receive an offer from Discover Personal Loan of {$25.00} personal loan and i applied online. I got a denial letter email on XXXX XXXX. The reason of the denial was Unusual risk seen with other similar personal loan applications. I am suprise and confused because according to their own credit monitoring, my FICO score was XXXX, {$0.00} late payment and my debt ratio was under 30 % I called the customer service in Arizona and spoke with XXXX to get an explanation and she can not explain either of what is denial is all about. It is my impression that if you applied for credit you application was being reviewed based on your ability to pay, debt ratio, delinquency ( if any ) and not by comparing my risk with other applicants I sent a letter on XX/XX/2021 requesting Discover to explain details the reason of the denial and as of today, i have not receive any response from Discover.
Consumer complaint received 2021-04-18
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. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (OH)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me..
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On Thursday, XX/XX/2019, I was repeatedly called from XXXX. If I answered the call, I heard an automated voice say " hold for the next agent* '' *not sure if they said agent or rep etc ... but it was " hold for the next ''. The just kept calling. Please see example attached of how they were calling me. The example will show calls at XXXX, XXXX and XXXX. I received calls before and after these also. Unfortunately, I had erased other calls from them prior to deciding to file a complaint. ALso, I did miss my XX/XX/XXXX payment, I believe this is why they were calling
Consumer complaint received 2019-06-28
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2018-04-27
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: BB&T CORPORATION (FL)

XXXX claims i am thier consumer, how did that happen, XXXX claims I am thier client/customer too. well to ; ; XXXX XXXX ( Treasurer ) XXXX XXXX XXXX ( Director, President ) XXXX XXXX ( President ) XXXX XXXX ( Secretary ) XXXX XXXX XXXX ( Director )  im tired of the games and i did send you your present in the mail with the seal of destruction, im going to fix you XXXX XXXX using XXXX magic, you and your family will experience the same termoils plus more of what you are causing me, its an energy reversal, within 30-45 days you will experience this power and see hardships and bad experiences, the spell will not be lifted, XXXX you now, I know now how to deal with XXXX
Consumer complaint received 2023-07-20
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: SUNCOAST CREDIT UNION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-06-28
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2019-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (UT)

I received a bonus check from work XX/XX/2013 for {$280.00}. Right after I opened the check I received a phone call from the collection agency stating that they would settle right now with a money order for the amount of {$280.00}. I went to the Bank, cashed the check, went to the Post Office and mailed it to them that same day. It was paid and has not been on my credit report. Since then I have purchased two properties and two vehicles and have a credit score of close to 800. 

This is ridiculous for this matter that has been paid 5 years ago to come up again after I paid it.
Consumer complaint received 2019-06-28
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. (VA)

Despite of informing and complaining several times regarding wrong information on my credit identification number XXXX, no actions have been taken from Transunion as well as XXXX XXXX XXXX for wrong reporting of two hard inquiries dated XX/XX/2017. 

XXXX XXXX XXXX has done wrong reporting for the aforesaid date. It has to be only one entry rather than two entries.
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TN)

In XX/XX/XXXX a few days after my husband XXXX XXXX XXXX passed away I found a Discover card statement with a {$17000.00} balance addressed to me in my husbands email. I do not have a Discover card nor have I ever applied for one. I  contacted Discover and they informed me the account did exist and it was applied for online in XXXX. XXXX at Discover told me their records show " he '' called in XXXX and added XXXX XXXX as an authorized user, their records also show Discover called XXXX ( husbands cell ) to verify XXXX was added as an authorized user. Discover quickly concluded fraud/ identity theft had not occurred although they had been emailing all the statements to my husband and had only his contact information on file. I also spoke to XXXX at Discover, she informed me I was responsible since there were utility bills from my residence charged to the card and I benefited from it. She also said I am responsible because I let my husband pay the bills and take control of the finances. I have asked Discover to send the statements to me so I can see what was charged to the card and they have not did that, they have only sent one statement showing the interest accrued. Discover has also told me I owe XXXX and another rep. said I owe XXXX