davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I followed a link online for 'Free credit report and fico score ' from Transunion.com. There, I was presented with a 'trial ' offer and access to my scores. I created the account and was charged IMMEDIATELY in the amount of {$24.00}, BEFORE I WAS ABLE TO LOGIN TO MY ACCOUNT! So much for 'free trial. ' Then, I proceeded to attempt to view my FICO score. The site required an ADDITIONAL {$29.00} to view the FICO score! I contacted them by phone but was hung up on. I tried to contact them by email but the response was, " Message could not be delivered because the server is misconfigured. I contacted them again by phone and used the 'callback ' feature. They called me back and I asked for a refund. The operator stated that I would be receiving a refund. I don't trust them.
Consumer complaint received 2017-09-20
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. (WA)

Equifax did not have enough security in place to protect my private information. They claim that my information may have been stolen by hackers. As a result, I took an entire day off work to : - call credit reporting agencies to freeze my accounts ( {$44.00} for my wife and myself total ) - add additional security to my accounts where possible In addition, I am now faced with the additional overhead of needing to unfreeze my credit report whenever necessary - for the rest of my life. Furthermore, I am at a significant risk of identify theft and will either need to regularly scrutinize my accounts and credit reports or hire a company to do this for me. The going rate is $ XXXXmonth ( LifeLock ) for anyone with a 401k ( which I have ). $ XXXXmonth for the rest of my life is roughly {$9000.00} amortized. 

It is my belief that Equifax understood their responsibility to protect my data and the risks that they were taking. I believe that they chose to implement lax security protocol in order to increase their profits, despite the increased risk this placed on my data. 

They currently have a website you can use to check the safety of your data. Unfortunately, there is ample evidence that this site returns somewhat random results. For example, it would seem that the SSN you enter is not used in most cases. I tried with several common surnames and they all returned exactly the same result ( your data may have been compromised ) regardless of what SSN I entered. This clearly significantly increases the cost to those whose data was NOT stolen by making it seem like it was.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANCO POPULAR DE PUERTO RICO (NY)

On XX/XX/XXXX I was charged {$3.00} in interest because they say I only paid {$200.00} instead of XXXX I can only pay what the website shows me is due. I would not have sent in XXXX if the bill was XXXX. XXXX is not an even number. I then sent in XXXX XXXX XXXX XXXX. Next statement says I made {$950.00} in payments. Clearly the previous XXXX should have been paid and all or most of the next months bill should have been paid. Well I was charged another {$9.00} in interest. I asked on what balance? I was told the whole balance. I said but you received payments and did not take that into account. I do not receive statements and I pay my bills early to every credit card I have. I am never delinquent. Their website is very antiquated and lacking information. I pay the amount given to me and it seems every month I am behind somehow and accrue interest. This is a rewards card that has no rewards page. I can not see any transaction history anywhere on the site. When I ask about it I am told to take their word about. it. I asked for paper statements maybe it will have it on there. My website says I am supposed to get paper statements but their website says Im on paperless. I am never late however when most companies were working with their customers this company just keeps adding interest even after receiving my payments.
Consumer complaint received 2020-12-15
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 have disputed the following false accounts on my credit report with Experian : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX However, instead of investigating and deleting these false disputed accounts, on XX/XX/2020 XXXX refused to investigate and frivolously alleged that I somehow DID NOT AUTHRIZE MY OWN COMPLAINT without any explanation as to how they arrived to this conclusion.I also note that I have provided all my ID information as required by CFPB : full name, date of birth, last 4 digits of social. 

Please investigate and delete these false accounts asap.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

I have got a consumer credit at XXXX XXXX on XX/XX/XXXX for purchasing a dishwasher and received my credit card from Citi affiliated with XXXX XXXX. The deal includes 0 % interest rate if the credit is paid within 6 months ( expires on the end of XX/XX/XXXX ). 
Almost every month when I attempt to make the credit payment I can not access my account- my credentials stop working and account is getting blocked. I'm using a password XXXX software, so there's no way I could make mistake when entering my credentials. Every time I spend an hour with XXXX XXXX customer service in order to get my account access back which they fail to do and they end up deleting my account and creating it from the scratch. Every time I reported to customer service that this is repeating issue and they failed to fix it. Today XX/XX/XXXX and I'm attempting to make my last payment and again I can not access my account and have to spend an hour again in order to get access back and make the payment. Considering the repeating nature of the issue and failure to fix it, it definitely looks that Home Depot credit department is doing this on purpose in order to trick customers into late payments and paying interest. This negligence from XXXX XXXX side looks to me like a fraudulent activity, which I would like to report. 
Thank you!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : account # XXXX, XXXX/XXXX  : account # XXXX, XXXX  XXXX : account # XXXX, XXXX : account # XXXX, XXXX : account # XXXX, XXXX : account # XXXX, DEPTEDXXXX : account # XXXX, DEPTEDXXXX : account # XXXX, XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX XXXX XXXX : account XXXX XXXX, XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX XXXX  : account # XXXX, XXXX : account # XXXX, XXXX XXXX XXXX XXXX : account # XXXX XXXX XXXX/XXXX  : account # XXXX, XXXX/XXXX  : account # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) : account # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : account # XXXX, XXXX : account # 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 2022-06-15
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TEXAS XXXX  
                                                    TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XXXX                                                  TO WHOM IT MAY CONCERN.
THIS ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, DELETE THE LISTED ACCOUNT(S) IMMEDIATELY FROM MY CONSUMER REPORTS.

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 2020-11-06
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 XXXX XXXX have sent out my request to have this items blocked from my credit report as i am a victim of identity theft. I clearly stated that in my FTC report with all the information that i gathered. i have never opened this account nor have i benefited from this account i never obtain goods or service from this company called XXXX please see attached documents
Consumer complaint received 2020-12-15
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: HYUNDAI CAPITAL AMERICA (SC)

On my XX/XX/XXXX report there is a closed account with huge amount of missed payments. HYUNDAI CAPITAL AMERIC Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA HYUNDAI CAPITAL AMERIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I discovered a credit card issued by Capital One was opened fraudulently in my name, using an address that I have never lived at. I called Capital One in XX/XX/2023 when I first learned of the card and asked them to close it immediately - there was a {$0.00} balance at that time. I was on a recorded line, so they should be able to verify that I asked to close this card. It turns out that Capital One opened a fraud investigation, but did not close the card. Since that time and after several phone calls with Capital One, Capital One mailed me a letter of their investigation dated XX/XX/2023, saying that they found I am responsible for this account because " activity on the account indicates you opened and interacted with this account. '' Charges now totaled {$390.00}. I called and explained that I have never owned/or lived at the property address used to open the card in my name. Capital One said I need to prove that to have my case reconsidered. 

Key Dates : XX/XX/2023- I discovered a card for Capital One was opened fraudulently in my name XX/XX/2023- I called Capital One and asked to have the card closed immediately, as it had a {$0.00} balance - they did not close the card XX/XX/2023 - filed a police report XX/XX/2023 - filed a report on the Federal Trade Commission 's XXXXdentitytheft.gov website XX/XX/2023 - first letter sent to all three credit bureaus - XXXX, XXXX, XXXX XX/XX/2023 - received a letter from Capital One saying they are investigating my fraudulent claim XX/XX/2023 - mailed Capital One copies of the police report and the report filed with the Federal Trade Commission 's identitytheft.gov website XX/XX/2023 - talked with Capital One again who said the investigation was ongoing and it could take 60-90 days XX/XX/2023 - second letter sent to credit bureaus XX/XX/2023 - received a letter from Capital One saying I'm responsible for the fraudulent charges XX/XX/2023 - talked with the Capital One fraud department who said they will not reopen my case unless I can produce new evidence that the account was opened fraudulently XX/XX/2023 - mailed the property owners of the location where the credit application was used to open the card with Capital One asking them to sign/notarize a letter I had drafted saying I have never lived/rented their property XX/XX/2023 - filed a complaint with the Consumer Financial Protection Bureau
Consumer complaint received 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (AL)

I was permanently discharged from my student loans due to my being permanently XXXX. I received a letter from the department of education that my loans are being reinstated due to me not sending proof of my income. This isn't true. I did mail them the information like. My income is only {$11000.00} I am unable to pay for my student loan. But the department of education isn't having any mercy on me. They can also look me up and see how much income I have,
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TRANSUNION HAS REPEATEDLY FAILED TO COMPLY WITH 15 USC 1681e, ( b ) ACCURACY OF REPORT, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. THEY HAVE CONTINUED TO ADD INACCURATE AND INCORRECT ACCOUNT INFORMATION DESPITE INFORMATION AND DOCUMENTATION PROVIDED. THE FOLLOWING INACCURATE AND INCORRECT ACCOUNTS CONTINUE TO APPEAR ON MY CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$950.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$790.00}, XX/XX/XXXX, ACCOUNT # XXXX, BALANCE- {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, BALANCE- {$1400.00} ; XXXX XXXX, XXXX, ACCOUNT # XXXX, BALANCE- {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$940.00} ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, ACCOUNT # XXXX, BALANCE- {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, BALANCE- {$190.00} ; AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, BALANCE- {$170.00}. I WOULD LIKE TO NOTE THAT THE FACT THAT THIS INACCURATE AND INCORRECT ACCOUNT INFORMATION WAS PERMANENTLY DELETED FROM MY XXXX CONSUMER REPORT AND FILE SHOWS THE WILLFUL NON-COMPLIANCE OF TRANSUNION IN VIOLATION OF 15 USC 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition, ( A ) Reporting information with actual knowledge of errors, 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, ( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. PLEASE SEE ATTACHMENT, CFPB XXXX COMPLAINT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. REFLECTING THE DELETION OF SAID ACCOUNTS AND XXXX XXXX FILE : XX/XX/XXXX, Confirmation # XXXX ATTACHED HERETO IN SUPPORT OF COMPLAINT.
Consumer complaint received 2022-06-15
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. (NC)

On XX/XX/2022 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 622 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

THANK YOU FOR TIME INVESTIGATING THIS MATTER
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (NV)

I want to file a complaint against Ally Online bank because they're not removing or giving me the opportunity to make monthly payments on a debt that was brought up by scam. About XX/XX/2019, I was trying to apply for a job on the XXXX  website and I applied for XXXX XXXX. I didn't realize that it was a scam because it came from the XXXX  website itself. A person named XXXX XXXX from XXXX contacted me and stated that prior to employment, I would have to do a couple things for them. They sent me 3 checks that they told me I had to cash. In addition, this person told me to buy a couple things for them such as an XXXX gift card to help with humanitarian aid. I bought it and then they asked me to send them the code and then to purchase an XXXX gift card but I thought that sounded a bit peculiar, so I didn't proceed. By this time, my bank Ally Online and their Fraud Department, took the money that was sent to me and put my account under a negative status of $ XXXX. Ally 's Fraud Department called me and said that I was scammed. I was later sent a letter stating that if I didn't pay it all in 30-days, I would be put on XXXX. I called Ally today, XX/XX/2019, and they said that I was the one responsible for paying all of it off. I asked Ally, since I'm the one who has to pay it, if I was able to make monthly payments, so they would not send me to XXXX. However, they said that I could make payments but they would still send me to XXXX. I feel this is an injustice and unprofessional because I am a victim of fraud/scam and are willing to take care of my balance but would like a monthly payment plan and to not be sent to XXXX. I would like some assistance with this matter. I am XXXX  years of age looking for work to help my parents at home. My family is very ill, and I feel this is the reason I was taken advantage of. Please assist me in any way possible with the Bank. I do not want my record to be damaged by this incident.
Consumer complaint received 2022-07-21
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. (WI)

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  Delete hard inquiries off my account.
Consumer complaint received 2019-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Nelson and Kennard (CA)

NELSON AND KENNARD should be fined for their illegal practices .... I initially contacted them last year asking to validate the judgment from them for XXXX   XXXX. First of all I was never served properly I had no idea about this complaint. I wish to fight the entry of a default judgment obtained based on lack of notice. service of the summons did not result in actual notice in time to defend the lawsuit, the entry of default was the result of " mistake, inadvertance, suprise or excusable neglect ''. I reached out to XXXX XXXX the original creditor who stated they do NOT have any pending dues from me there was no debts to them from me. I served this notice to Nelson and Kennard who ignored the letter and now went through with judgement and garnished my bank account where I receive my social security income. I contacted Nelson and Kennard to inform them that my income is except from garnishment and that XXXX XXXX stated in writing that I do not owe them anything .... they AGAIN ignored my request and now froze my accounts. I contacted DAs offices and now preparing my complaint to them will file this week if this is not resolved and lien this false judgement is not released ... 
NELSON AND KENNARD also issued a false statement to XXXX XXXX in their attemps to renew this debt stating that " LAST PAYMENT WAS RECEIVED ON XX/XX/2017 '' IT IS A LIE, FALSE AND FRAUD. I never made a payment to them this should not be ignored ...
Consumer complaint received 2021-11-29
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. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent a complaint to Transunion Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my TransunionCredit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CO ) Balance {$79.00} XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX CO ) XX/XX/2021 2021
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (WI)

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. Delete hard inquiries off my account.