davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NC)

This XXXX I visited one online website and paid {$45.00} for one month fee by using XXXX XXXX XXXX Mastercard, the website said I could cancel the service anytime ( as usual ). in XXXX I did not want to continue and thus I called the phone posted on the website to cancel the service and I waited almost one hour but no one picked up the phone, and also I could not find any other contact information. 
I called the credit card in the XXXX at XXXX and I was told that the charge - {$45.00} was pending ( XXXX XXXX ). I told the credit card customer service that I did not agree to pay anything more and I have called but I could not find the website owner, and thus I asked the credit card company to stop paying and mail me a new card. The credit card customer services agreed to stop paying and mail me a new card. After two weeks I received the new card and I thought the issue had been resolved. But in XXXX I received my statement the charge was still there and in addition, I was charged later fee and interests. I called credit customer service again in XXXX, I was told they were investigating and then I received a favorable letter from them, I thought the problem had been cleared, and thus I did not intentionally keep the letter. In XXXX I received billing again and I was asked to pay more ( the original charge + fees + interests ). I asked the customer service again and this time I was told my case had been transferred to dispute office, I spoke a lady in charge and it seemed the charge would be removed. But last week I received my monthly billing again as attached. the charge was still there and some later fee adjustment under my request. I called them again on XX/XX/XXXX and my phone was transferred to customer relation office and no one picked up the phone after one hour waiting. XXXX on XX/XX/XXXX, I called again and a lady in customer service answered my phone, she totally agreed with what I told her and she suggested me to call XXXX next day - XX/XX/XXXX during the regular time. I followed and called dispute office on XX/XX/XXXX, a man with heavy XXXX accent answered my phone, he told me they could not dispute the charge since this was recurring charge. I do not know who told him that, and also it is not a business of credit card company. I told him that I am the card holder and I have right to ask my card company to stop paying anything I did not agree, and they did not stop payment under my request, which was a misconduct. I feel the credit card company stick with some scam -like company together to damage their customers, the credit card provider charges customer later fee + interests and in the meanwhile the scam-like company makes money from customers. As a card holder, I feel losing control of my own credit card. Obviously I have spent a lot of time and energy but I could not stop them, and I need your help.
Consumer complaint received 2022-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-15
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. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights 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  L XXXX XXXX  XXXX XXXX  XXXX  XXXX 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 an account without my written instructions
Consumer complaint received 2015-11-09
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NM)

Toyota continues to report 120 day lates on my credit report even tough the date of last activity XX/XX/2009. This is illegal and needs to be addressed and rectified. I have tried multiple times through the credit bureau dispute process without resolution so I am asking you step in and make them correct the reporting
Consumer complaint received 2022-05-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: GreenSky, LLC (WI)

On XX/XX/XXXX I signed a contract with XXXX XXXX to have new windows installed in my house. The original amount for windows and siding was {$25000.00} but I decided to cancel the siding so the new amount was {$12000.00} just for the windows. I made a down payment of {$2500.00} on XX/XX/XXXX and the remaining {$9500.00} was a loan from GreenSky. GreenSky worked with XXXX XXXX so I did not have a choice with the loan company. 

On XX/XX/XXXX I received an email from GreenSky to set up my account. I would received 12 months, no payments required with interest deferred. My first payment was due XX/XX/XXXX and if I did not pay off the load at that time interest would be added and accrue. I planned to pay the {$9500.00} before XX/XX/XXXX so there would be no charges or interest. 

On XX/XX/XXXX I received a phone call from XXXX XXXX that the windows would be installed on XX/XX/XXXX. On XX/XX/XXXX I received an email from GreenSky asking if the job had been completed. I was asked to click on either yes or no and I clicked no because it had not started yet and wouldn't be completed until XX/XX/XXXX. 

On XX/XX/XXXX I was told my windows would not be installed on the XXXX. As of today, XX/XX/XXXX I have still not received my windows. 

I contacted GreenSky back in XX/XX/XXXX to tell them but they said I still need to pay the loan because I told them the job had been completed, which I had not, and they had already paid {$9500.00} to Windows Select for the windows. This is where things stand as of today, XX/XX/XXXX.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (IL)

A letter was sent to me to attempt to collect a debt for XXXX. I do not have an XXXX account and do not owe any money to them. When I called the number on the letter to try and resolve the issue a women who could not speak English answered the phone and attempted to gain additional information. 
Amount on letter attempted to collect is XXXX. The letter head reads AIC XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX. I submitted a complaint to XXXX and the authorities but want to report thus scam so others are aware.
Consumer complaint received 2019-07-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP (CA)

I reported this issue before to the same CFPB against the city of XXXX XXXX for fraudulent procedures their parking employees use to generate parking tickets as they did with 2 of my vehicles I don't longer own. 
Please refer to my Dispute letter I have against Linebarger Goggan Blair & Sampson it looks they are an Debt collector Attorney as they tried to collect a dispute charge I did it in the past.
Consumer complaint received 2022-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NJ)

US bank has not set up our escrow account correctly to make payments to our township ( we are in a PILOT scheme ). Last year we were in arrears on this money with the township and were charged over {$500.00} in interest payments by them ( which US bank paid after I had made a complaint. They assured me that the mistake had been rectified and payments would be made correctly from now on. Yesterday I received notification from the XXXX that our quarterly PILOT payment that should have been paid in XXXX has been missed. On checking my mortgage account the funds are available and are in my escrow account. This will mean we will again been changed interest by the XXXX and I am also concerned we are suffering reputational damage with them as we are seen as late payers. I have no confidence that going forward the lender will service our a count correctly.
Consumer complaint received 2017-06-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Graystone Funding Company, LLC (UT)

I see this advertisement all over  XXXX  in my town- The add claims I can get 100 % financing even with a   XXXX  Fico,  but its not true at all! we got going in the process and after getting under contract she then told me I needed a minimum of a  XXXX  fico in order to qualify for the no down payment 100 % financing.. Which is not in her  XXXX  add! Then she said what can I sell, or who can i borrower the money from for a down payment? Well If I had someone to lend me the down payment why would i have clicked on her add?
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Credit Bureau : Experian refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : New Address : XXXX XXXX XXXXXXXX XXXX XXXX, Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Credit Bureau : XXXX refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : Correct Address : XXXX XXXX XXXX XXXXXXXX XXXX Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX XXXX
Consumer complaint received 2021-10-29
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. (MI)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept of Ed/XXXX  accounts XXXX XXXX
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

In XXXX, my ex-wife opened a Capital One credit card as a joint account wherein I had no information. She has defaulted on this account and Capitol One has been placing negative information on my report even though I have never received information in the mail or otherwise over these 20+ years. It was in the summer of XXXX when I was brought in on the program with Capitol One in which they state I owe the money.
Consumer complaint received 2024-02-15
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. (TX)

The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
The inquiries that are in question are as follows : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-13
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX- Till today ( XX/XX/2019 ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on XXXX , TRANSUNION AND XXXX XXXX XXXX credit card appears as included in bankruptcy chapter XXXX on Transunion and XXXX  credit profile. 
XXXX XXXX Credit card appears as charge off/included in bankruptcy chapter XXXX
Consumer complaint received 2022-05-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX ( XXXX ) has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 42 hard inquiries most of them werent authorized but besides the point the number of hard inquiries is not reporting ACCURATELY across all 3 bureaus. This is stopping me from a fair/accurate credit report.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have 42 hard inquiries most of them werent authorized but besides the point the number of hard inquiries is not reporting ACCURATELY across all 3 bureaus. This is stopping me from a fair/accurate credit report.
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (IL)

in accordance with the Fair Credit Reporting act US Department of education 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
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-05-15
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)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-05-15
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX 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.
Consumer complaint received 2016-01-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TN)

I obtained an auto loan with Santander Consumer USA. I consistently receive my bill late so that the only way I can pay it on time is to do so online, where I will be charged a convenience fee of {$10.00}. They state that if I send in a check, it will take 5-7 business days ( which can be 10-11 real days ) to process my payment. My due date is XX/XX/XXXX, and I 've not received by bills until XX/XX/XXXX or XX/XX/XXXX. I feel like this is a deliberate attempt to force me to use a payment option that requires additional fees or to add late payment charges to my account. The first month, I had no choice but to pay the {$10.00} and the second month, even though I mailed my payment on XX/XX/XXXX, I 've received emails warning me that my payment has not arrived and I will incur late fees.
Consumer complaint received 2022-05-15
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)

In accordance with the Fair Credit Reporting act XXXX 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.
Consumer complaint received 2022-05-15
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2022-05-15
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. (MD)

In accordance with the Fair Credit Reporting ActXXXX 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 an account without my written instructions