davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Ive reached out seven times to contact his employer in regards to this fraudulent account that was open and the federal law I have reported this to the XXXX Police Department to the Federal trade commission and the consumer financial protection Bureau under federal law they must remove this account and stop putting this negative account to my credit agencies
Consumer complaint received 2020-05-05
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$7600.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00}
Consumer complaint received 2017-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Autovest, L.L.C. (FL)

I originally had an auto with XXXX XXXX for a XXXX XXXX XXXX. which was transferred to XXXX XXXX XXXX. I have asked Autovest for a break down of fees and have yet to receive. I even asked for a possible settlement but I wanted to see a break down of fees. I did receive a copy of the contract but nothing showing how much the car was sold for or how they came up with their their amount.
Consumer complaint received 2019-05-30
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. (MN)

Cfpb This is Proof that Transunion is violating the law they are Not conducting proper investigation see Proof of what I'm taking about On a updated credit report from Transunion but the status update didn't change that is clear proof they didn't contact XXXX because I sent in statements that XXXX had cashed checks on XX/XX/19 I'm really considering filing suit On Transunion. Transunion I'm Going to need from you is every XXXX XXXX transmitt also date and time and date and time chase responded back to you if you are unable to provide this information we are going to consider this as unverifiable account also whatever information you reply back to could and will be used against you in a court of law so you are aware. that you sent them and the also I'm going to exercise my right under the 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and Also the contract with My Sign signature attached Because I don't know what the XXXX you Guys are reporting on my file
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to express my dissatisfaction regarding the tardy handling of the opening of my account with Credit Bureaus. I submitted all the necessary documentation and fulfilled the requirements for the establishment of an account, yet to my dismay, there has been an unacceptable delay in its processing. 

As a new client, I anticipated a prompt and efficient response from your esteemed company. However, the prolonged delay in opening my account has caused inconvenience and frustration on my end. I have been eagerly waiting to commence business transactions with your organization, but the delay has hindered this process significantly. 

Given the circumstances, I kindly request that you expedite the processing of my account opening without any further delay. XXXX is of the essence, and I trust that you will prioritize this matter accordingly. Additionally, I would appreciate timely communication regarding the status of my account and the steps being taken to rectify this situation. 

Please understand that my dissatisfaction stems from the lack of promptness in resolving this matter, and I hope that you will take the necessary steps to rectify the situation promptly. I value the potential partnership with your company and believe that swift action on your part will help restore my confidence in your organization. 

I look forward to a swift resolution to this matter and the opportunity to commence business with your company. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Direct Capital (CA)

Date : XXXX Local Time I received the call : XXXX XXXX  Name of the company : Direct Capital , aka Direct Capital & XXXX Their contact # : XXXX There are multiple issues with the call Mr. XXXX XXXX from Direct Capital made today on behalf of their client XXXX. 

He broke the law with Multiple FDCPA violations. 

Lets start with : # 1 ) Communication : a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location. The incoming call was made at XXXX XXXX # 2 ) False or Misleading Representations : The threat to take any action that can not legally be taken or that is not intended to be taken. 
In the call XXXX XXXX in a threatening demeanor said he was going to pursue further litigation, when I asked for their " BAR # '' XXXX XXXX said they had none. A litigating attorney has a BAR #. 
He also failed to recite the XXXX. 

# 3 ) Harassment or Abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 
Mr. XXXX XXXX, towards the end of the call, in a threatening manner said " I wish you the best of luck ''. 

# 4 ) Spoofing : is the act of disguising a communication from an unknown source as being from a known, trusted source. Spoofing can apply to emails, phone calls, and websites, or can be more technical, such as a computer spoofing an IP address, Address Resolution Protocol ( ARP ), or Domain Name System ( DNS ) server .... 
The call XXXX made came from a local number XXXX, I asked for a physical address, he said they are in New York, he provided me with the address of XXXX XXXX XXXX, XXXX NY XXXX. 
Spoofing is used as a form of deception ....
Consumer complaint received 2019-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

MY MOTHER XXXX XXXX XXXX DIED ON XX/XX/XXXX AND MY FATHER ON XX/XX/XXXX, WE ALL HAD ACCOUNTS WITH XXXX XXXX XXXX XXXX IN XX/XX/XXXX. FROM XX/XX/XXXX WAS SOLD TO XXXX XXXX XXXX/XXXX/CITIZENS BANK XX/XX/XXXX. SEE ESTATE INFO AND I AM THE EXECUTORS.
Consumer complaint received 2023-01-19
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. (NY)

This complaint is been file against TransUnion LLC. They are reporting incorrect and misleading information on my credit report. 

Complaint # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX and XX/XX/XXXX TransUnion reported my payment as current. In XX/XX/XXXX they reported 30 days late, XX/XX/XXXX they reported 60 days late, XX/XX/XXXX they reported 90 days late. According to TransUnion I was late 180 days. How can I be 180 days late when my payment was current in XX/XX/XXXX and XX/XX/XXXX? From XX/XX/XXXX to XX/XX/XXXX they put an X on my credit report, which means unknown. This reporting in incorrect and misleading. I have wrote to TransUnion many times over several months and they refused to delete. 

Complaint # XXXX XX/XX/XXXX to XXXX of XXXX TransUnion put an X on my credit report, which means unknown. In XX/XX/XXXX TransUnion reported on my credit 120 days late. How can I be 120 days late in XX/XX/XXXX if the prior 4 months are reported unknown? 
Because of this I have problems sleeping and nights, my marriage is suffering due to XXXX XXXX XXXX XXXX XXXX XXXX not only that I'm having XXXX XXXX. I am a XXXX XXXX XXXX XXXXXXXX XXXX and I can't apply to certain jobs because of all these incorrect and misleading information on my credit report.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA)

I send a money transaction through MONEYGRAM to my mother she is XXXX years old, with a XXXX XXXX and XXXX ( this money was indented for her medication ), the company warranty that the money is available in 5 minutes, my mother was at the XXXX XXXX, XXXX, XXXX XXXX and first the agent told my mother first that the reference number was incorrect, she called me and I confront that information with her it was same as MONEYGRAM system provide, second they told her that the transaction was already been pick up, well according to MONEYGRAM and my online profile is still available to be pickup, then they told her and me that the transaction did not appear on they are system ; mean time I called MONEYGRAM Myself to confront the information from my online account with them and everything is correct, names, reference number, phone number, email address, I was advise by MONEYGRAM to have agent from XXXX to contact MONEYGRAM, agent from XXXX stayed that they are not allow to contact MONEYGRAM. I spoke to XXXX on the Escalation Department she stated that they can receive a call from the XXXX agent but not call out, I spoke to XXXX XXXX and stated what prior agents have already told me, I spoke to multiple agents that I was not taking dawn they information. XXXX agent stated that they can not call out I need it to call it my self I did and they just keep going on circle. 

Did I mention that XXXX due to Covid # 19 they can only go out every 15 days so this mean my mother will be without medication for 15 day and MONEYGRAM agents event on the Escalation Department just continue reading they are scrip.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Chime Financial Inc (IL)

On XX/XX/2021 I XXXX XXXX contacted Chime via my smart phone and requested a check in the amount of 9000.00 to be mailed to me from my account on XX/XX/2021 the check was printed from my account on XX/XX/2021 the check is showing cashed in my account I never received the check so I reached out to Chime letting them know I never received the check but its saying its cashed Chime later got back to me informing me that there is nothing they can do because the check has been cashed they forwarded me images of the check and told me I would have to go to the other Financial institution that cases the check and investigate it myself. I called the other bank and they informed me that there was nothing they could do for me that Chime needed to contact them. So as of today XX/XX/2021 I still have not received my 9000.00 or any help from Chime
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (VA)

My XXXX year old father called me to say he had just received a call from American Express saying they had an important message for XXXX XXXX. This made him concerned he was being targeted for fraud since he has nothing to do with my card, or his grandson 's card ( XXXX XXXX, XXXX ) I said I would call American Express and my son and ask what was going on and tried to put his mind at ease. 
I called the American Express fraud department to see if this was a legitimate call. The person in the fraud department said He would have to transfer me to find out how they got my father 's name and number, but it appears that i was two days late with my payment so could we please fix this first. I said no, my wife takes care of these payments and I will have her take care of it. From there he must have asked four times when I would pay, how i would pay, which account should he take the payment from, could i at least pay the past due  balance, he would like to make a note for the record that this payment will be made. It was total harasment - I called to report a fraud! 
I have no idea what privacy laws American Express violated to connect me to my father and then to reach out to him when he is not in any connected with my account.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (CA)

had XXXX XXXX sent from my XXXX XXXX XXXX ( XXXX ) to the binance.us bnb wallet listed on my account XXXX it says it was successful but the XXXX  never showed up in either account after. 

The transaction id is XXXX Binance has stalled and gave me the run around since XX/XX/XXXX with absolutely nothing actually being done
Consumer complaint received 2020-05-05
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. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX XXXX DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX  XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$16000.00} XXXX XXXX   XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX   XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX   XXXX {$54.00} XXXX  XXXX {$30000.00} XXXX XXXX XXXX {$250.00}
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Jefferson Capital Systems , LLC. I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. As of today they have not responded to my letter.
Consumer complaint received 2022-08-05
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. (TX)

I have recently requested for a full check of accuracy on all three of my credit 's reports from, XXXX, XXXX and Experian. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX I Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX
Consumer complaint received 2019-05-30
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. (FL)

I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Consumer complaint received 2021-02-23
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 — Problem with personal statement of dispute
Company: OPORTUN FINANCIAL CORPORATION (GA)

XX/XX/2021 - My credit report shows on a Hard Inquiry from, Oportun/XXXX XXXX - I called to report that I began an application and did not complete nor submit the application and to please remove the Hard Inquiry. I was told they understood that I did not submit the application and was led to believe the inquiry would only take place if I had submitted the application. Tix Nbr XXXX was issued. 
XX/XX/2021 - I spoke with XXXX XXXX in the Application Department. He shared that at the beginning of the application there is a message to approve the inquiry as part of the application. - I explained that it is implied that the approval for the credit inquiry would be part of the submitted approval and no where does it state that the credit inquiry would be immediate and without submitting the actual application. - XXXX XXXX was not able to assist any further and I shared that I would reach out to the Consumer Financial Protection Bureau do to the misleading agreement in the beginning of the application. 
- I am asking that this hard inquiry be removed from my credit report and that the application wording be reviewed for being misleading.
Consumer complaint received 2020-06-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140.00} XXXX  XXXX {$660.00}
Consumer complaint received 2024-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX is been reporting an inquiry by XXXX XXXX XXXX on XXXX. I have no business with this company nor authorized them to run my credit.
Consumer complaint received 2020-10-21
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. (MD)

THE ACCOUNTS/INQURIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.