davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that 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 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.
Consumer complaint received 2020-07-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-09-14
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 (CT)

Im submitting this complaint against CAPITAL ONE due to their total indifference to my consumer rights under the FCRA. For months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company since XXXX. I opened dispute with all credit bureaus have requested this fraud account be removed from my consumer file immediately. In all failed attempts every customer service rep I spoke to at capital one doesn't have any recollection of any of my previous calls " but their calls are all recorded ''. Capitol one never mailed letter as discussed acknowledging fraud account for my records. As of today XXXX capital one refuses to remove inaccurate information on my consumer file and work with credit bureaus to remove fraud account on my consumer file
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I do not owe this debt. I asked for information under the fair reporting act. Also requested on a number of occasions information to verify account information pursuant to [ Section 609 ]. All lawful verifiable information must include the signature of party in contractual agreement. The contract must be valid pursuant to NJ State law as well as to the Uniform Commercial Code. This company refuses to provide proper documentation and verifiable information pursuant to law and are in violation. The document forwarded to XXXX XXXX XXXX 's agency did not offer a signature, nor a copy of any verifiable information and must be removed. A cease and desist must be in order. This company 's practice is obstructive to my ability to obtain credit and they do not have my permission or authorization to report to any bureau.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Paypal permanently limited my account just under 180 days ago. They said after the 180 days they would release the funds ( {$3100.00} ). On XX/XX/2021 they transfered the money to themselves and zeroed out the account. The following was the only note, '' {$3100.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. '' I didn't violate anything and they said they were going to release my money after 180 days back to me.
Consumer complaint received 2020-08-27
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$200.00} XXXX XXXX XXXXXXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$660.00} XXXX XXXXXXXX {$8000.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX {$5800.00} XXXX XXXX {$92.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX {$1000.00}
Consumer complaint received 2020-06-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX XXXX ( XXXX ) to pay off the debt to Citibank. At that point I had no further contact with Citi Bank. XXXX took the monthly payment out of my account each month and distributed to Citibank, Exhibit A of the XXXX documents. The debt was to be paid off in XX/XX/XXXX. Copies of these documents are attached. Exhibit B of the file " XXXX Documents '' is a copy of my XX/XX/XXXX statement of account which show the balance owed Citibank : {$3000.00}. 

In XX/XX/XXXX, I called XXXX to say that the payment would be late. My husband turned XXXX and his retirement was reduced by the amount he received in social security. 
At that point, XXXX from XXXX said he would get back to me. As far as I know, all monthly payments had been made to XXXX at that time. XXXX called me back and told me that Citibank had kicked me out of the program and that I owed them {$16000.00}!!! I had no notification about being kicked out of the program and XXXX didn't know either.He said I need to get in touch with Citibank. I made numerous phone calls to Citibank asking for breakdowns on my account. All I received are the attached statements, nothing for XXXX-XXXX. I was also told by the Citibank representative that I could not look at my account on line because I " was kicked out of the program '' I processed an XXXX spreadsheet from the statements they sent me and estimated XXXX and XXXX since I wasn't receiving copies of XXXX and XXXX. I have attached a copy of that spreadsheet showing I have paid Citibank ATLEAST {$28000.00}, {$14000.00} of that is interest! It's hard to remember back 4 years but it looks like I missed a payment in XXXX of XXXX. There was a double payment in XXXX of XXXX. Instead of just the late payment, they raised the interest again to 29.99 %! I don't believe any payments were missed in XXXX & XXXX but there's no way for me to know since they won't send copies.There are also charges of {$970.00} on the worksheet ( XXXX deferrent transaction ) and I have no idea what they are for! 

I would also like to know, of the {$31000.00} owed to Citibank in XXXX of XXXX, how much of that was interest. I'm sure most of it because I was pretty desperate when I reached out to XXXX. 

I think these charges are grossly unfair. I reached out to an attorney and he said I should go to the Attorney Generals Office. He costs to fight this would be very expensive also.When I finally reached them, they said I should contact you all. 

I am also filing a separate claim to XXXX. They have been unwilling to send me the month breakdown of my payments also. What they have sent me is also in the XXXX documents because they are receiving that file also. 

I know that is a lot to put on paper and I hope I've captured everything.
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (IN)

In regard to my last complaint... 

You state that these addresses are in an " active forwarding order with USPS to forward all mail to our current address '' which is false. I have sent a debt verification letter to this address and have had it returned to me by USPS stating : " MOVED LEFT NO ADDRESS UNABLE TO FORWARD RETURN TO SENDER '' you have falsified your stance that your prior addresses have an active forwarding to your current address, preventing me from sending debt verification letters for you to receive them and more importantly validate and verify your stance on this account. 

I will attach documents stating this claim and provide proof, despite your attempts to change your address after my initial complaints to justify your stance. You have proven to be in violation of my federal rights, and have furthermore perjured yourself in your responses both here and on XXXX XXXX XXXX XXXX XXXX site. I have documented and saved all files and plan to hold you accountable unless you delete this from my account you have on file and send me proof of this being deleted and prevented of any further re-addition to my credit report as well as the halting of any transaction of this debt where you may sell to another creditor.
Consumer complaint received 2020-07-22
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On, XX/XX/year>, a Consumer Credit company called me because TransUnion informed them without my permission person information concerning the amount of debt I owed. 
The Consumer Credit company then proceeded to market their product to me.
Consumer complaint received 2018-07-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

XXXX XXXX My Legal Council did Not Send Copies of My Credit Life and XXXX Documents To Opposing Council Or Judge XXXX XXXX XXXX so i took Copies in to The Clerk Of Courts However Since the Documents were Not Presented By My Attorney to Opposing Council and the Judge it Was Not Reviewed Therefore Resulted in a Negative Result for Me if in Fact the Documents were Presented Properly the Result Would have Been Much Different.
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I initiated a *Same day* international bank wire. It was not received by my intended recipient. 
Bank of America sent me the message pasted into the next section but they never notified me of any problem. 
I contacted Bank of America via XXXX. They said that they needed more information but wouldn't tell me what. They expect me to contact them by telephone. But I am traveling in a foreign country with a different time zone and no means to place an international call. I have only a local mobile telephone. BofA requires a landline to place an international call.
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (MD)

Upon routine checking on my credit report, I found a new collection account, as of XX/XX/2022, from Central Portfolio Control for {$13000.00} with the original creditor reported as XXXX. I have not used credit cards for six years, so there is no possibility that a new collection account could be opened on me. I have never had a XXXX account with a balance that high and I am currently paying on two other smaller XXXX accounts. I received no notice about this debt, so I was not given the opportunity to dispute this debt as is my right. I attempted to dispute this twice through XXXX XXXX to no avail. Central Portfolio Control is not following the CFPB rules with regard to collecting debt.
Consumer complaint received 2024-05-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (NJ)

I had multiple orders on my Affirm account that were unauthorized and they emailed me at the end of their investigation and told me they were unauthorized and would be removed from my credit reports and I was not responsible for them, they also said someone would reach out within XXXX days about sending the refund via check in the mail because my cards were used and nobody has emailed me or responded to any of my XXXX emails. 
I call everyday and talk to customer service representatives who are reading off the same template every time and dont actually help me.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MN)

ATM card fraud. {$2400.00} was fraudulently taken from my US Bank account. After filing several complaints, hours on the phone, and being told in writing the fraudulent funds would be credited back to my account within 10 days, it has not happened. It has been more than 20 business days and emails are not returned.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (IN)

I have banked with PNC for 4 1/2 years with direct deposit. I just started to work on my credit and got a prepaid credit card from them with a limit of {$500.00}. My first payment was due on XX/XX/19. I paid it through my virtual wallet through a transfer from checking to the credit card and paid {$400.00} ( minimum was {$25.00} ) on said date at XXXX.It said it will post on XX/XX/19 which is 3 days later but I know that I paid it on the date that it was due. The lady at PNC was very helpful and she said she would normally wave the {$25.00} late fee but she cant so she made a call. After the call she said you did everything right but the lady on the phone wont wave the fee because it wasnt a seasoned account. She said I guess next time make sure you pay it several days before its due. In that case no due date should ever be on a Saturday or Sunday or Holiday because banks arent open then I guess lol
Consumer complaint received 2024-02-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX : Account NumberXXXX Account Name : XXXXXXXX XXXXXXXX : Account NumberXXXX Account Name : XXXXXXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2018-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC (CA)

My loan was sold by XXXX and is now being serviced by Shellpoint Mortgage and the loan number is XXXX. Shellpoint has been servicing my loan since XX/XX/XXXX and I have never been late and always early on my payments. I have contacted shellpoint on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXXand I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX