davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
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. (NY)

On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX account # XXXX dating back 2 year to the date. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded to you. It has been over a year now and this account is still falsely reporting on my credit. I have a letter from the tradeline stating its removal after a BBB complaint. How is this possible for an account that should not be on my credit report? It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all on numerous occasions. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complaint on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. I am providing documentation again that this should not be on my reports. Your sister tradelines have removed the erroneous account. Transunion is still reporting incorrectly. However, I ask that you correct the error on your part and remove the account entirely.
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nexum Group Inc (TX)

I got a call from a company XXXX XXXX XXXX on XX/XX/year> to collext a debt for XXXX im which i set up payments with them. I than got a call from Nexum Group inc called to collect the same debt of XXXX. The person from Nexum group was really rude to me after I told the operator on the phone that I already set up auto payments earlier in the day to pay off my debt. Operator got hostile with me and even threatens me that this debt will be on my credit if I dont set up payments with them then hung up the phone, so i called XXXX afterwards to see whats going on. XXXX XXXX tells me that original person I set my contract up left their business and is trying to pull clients over and is trying to collect debts as well due to this the operator from XXXX to clear ip confusion on my end sent me my signed contract to my email and they called the number i gave them that allowed them to speak with the other company to set things right. After XXXX finished their call with Nexum, Nexum calls me back ( this happened in the same day ) to tell me that I should hold off on my payments before deciding whom im going to pay my debt off. After this call, I recall XXXX and the operator knew that the previous company called me again thus they informed me of my rights and when I asked how to make a report, they referenced me to this website.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/2021 Account XXXX Capital One Resurgent Capital Services, XXXX XXXX, and XXXX ( unsure where debt is ) vs. XXXX XXXX Several times over the past year, Capital One has REFUSED to take responsibility regarding the above account. They have stated AGAIN and AGAIN that they are unable to provide additional information or take action on your account. First of all, again, for the 100th time, I never opened up this account, I never used this account, and I tried to make a deal for removal, but Capital One refuses to comply even to a deal. I have, nor will I ever say that this debt is mine, and I will continue to make complaints until the account is no longer viable and easily removed. 
All of Capital Ones responses per their letters are unacceptable, and I request again that they make right an account that THEY opened up without even calling me or making sure it was me. Capital One will continue losing money every time I make a complaint, and they are criminals for neglecting their duties, first in opening the account in the first place and then refusing to fix their mistake. Capital One has NOT provided a complete previous response fully addressing my concerns. Capital One needs to MAKE RIGHT WHAT THEY HAVE DONE. They scammed me then sold the debt so they can release themselves from what theyve done. I want justice, and I dont want to be shuffled around to other collection agencies because Capital One doesnt want to deal with me. If I have to send 1000 letters, then I will, and each time you will lose just that little bit more with your scams. 
Capital One has unjustly hurt my credit, opened up a fraudulent account under my name, and denied me proper paperwork for countless months. They have also tried to send the debt to at least three debt collectors, and I will not tolerate it. I want results.
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (CA)

Equifax is reporting a payment status of " 30 days late '' on a current, paid in full, closed account. Also reporting a 90 day late from 2018. This is a violation of fcra. 
XXXX & Equifax are also reporting outdated payment history on a paid in full closed account from 2018.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a veteran who has been victimized due to my service ( the federal OPM data breaches resulted in my personal information being released, sufficient to charge my cards and open additional credit in my name ). 

Following the web flow for attempting to place a credit freeze on TransUnion 's website will attempt to " validate '' a known credit card to " prove your identity '' and then place a recurring {$24.00} a month charge onto the charge. 

Attempting to call and fix this with their agents resulted in the agent literally laughing at me and then hanging up. 

I still have not found a way to place a credit freeze onto my account without a charge. I expect that I will be billed going forward.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Little Falls, Inc. (MN)

I asked them to send me proof that I owe them and the only thing they sent me It was a paper that said " Balance Due '', that does not prove anything, the authorization of the HIPPA is expired because it is from 2013, I do not understand why they are charging me interest on a medical debt.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I mailed with a request for signature Equifax a letter on XX/XX/XXXX, addressing their inability to verify the information I provided. Recently, about three weeks ago, I submitted the same information to the CFPB to rectify the situation. However, I received three separate letters from them dated XX/XX/XXXX ( twice ), and a corrected report dated XX/XX/XXXX. Unfortunately, the report still lists an incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I have never lived in my life.
Consumer complaint received 2024-04-27
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. (CO)

I am writing to file a formal complaint against XXXX  XXXX XXXX regarding their handling of account XXXX, which I believe to be fraudulent. Despite my efforts to rectify this matter, XXXX XXXX XXXX has continued to engage in unethical practices, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Im a victim of ID theft I have filed a ID theft report on identitytheft.gov, and the collection agencies listed keep reporting the the items as valid. K have sent them a copy of the ID theft report from identitytheft.gov. All 3 of the credit bureaus have deleted these items more than once but the collections agencies listed keep reporting it. It need to stop being reported to the credit agencies or my next steps is to sue the collections agencies listed.
Consumer complaint received 2020-10-17
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. (GA)

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 2. XXXX  - AUTO FINANCE & XX/XX/XXXX 3.  XXXX  - AUTO FINANCE & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX  XXXX  XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be  liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (TX)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fraudulent erroneous information.15 USC 1681 SECTION 602 states I have a right to privacy and 15 USC 1681 Section 604 states consumer has to give written consent. This is A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2020-10-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank o America has closed not just some -- but ALL of its branches despite a sign referring neighborhood BofA customers to their website to determine open branches. There are none! Customer service is non-existent with hour-long and more phone waits accompanied by recordings and cutoffs. Communications through website and email are are dead-ends. The security is such that it is impossible to get through. One e-mail was sent with documents attached but it is impossible to determine whether or not they were received as no verification or response is forthcoming despite multiple attempts at contact. A Death Certificate, Short Certificate/Letters Testamentary and copy of Executor of Will 's personal PA drivers license raise cause for concern that personal information, hacking worthy might be at risk. The Bank of America is sitting on a {$20000.00} CD needed to settle an estate in the COVID19 era with the bank apparently hiding behind the pandemic to avoid payouts and customer disservice complaints.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

Company is attempting to collect on a debt that is not owed, and failed to send proper documentation validating the debt Not Verifying it. They are reporting this inaccurate information on my credit report, and cannot provide the proper documentation in which a written letter was sent XX/XX/XXXX asking them to provide me with copies which they failed to provide so they are in violation of the FCRA.
Consumer complaint received 2024-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDICO. INC (SD)

I chatted online with a XXXX XXXX online. On XXXX XXXX. Told her I thought I overpaid between the debt collection agency and XXXX XXXX XXXX XXXX. I also emailed the XXXX XXXX XXXX XXXX on XX/XX/2024. They said that the money I sent them went to the debt collection agency. When I requested a statement showing when I made my payments. I wanted it to show me the dates also that the XXXX XXXX XXXX XXXX. Sent the payments too. She just emailed me a copy saying that my debt was paid in full. Which I already knew.
Consumer complaint received 2023-04-03
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. (NJ)

Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. Pursuant 15 usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair, accurate and equitable. This is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when your company performed the initial investigation to inform me this information would be reported. Pursuant to 15 usc 1681 ( a ) ( 1 ) - 15 U.S. Code 1681a ( e ) 15 U.S. Code 1681a ( 2 ) ( iii ) The consumer reporting agencies failed to follow lawful investigative procedures. This grave mishap is preventing me from receiving credit worthiness which is ultimately harmful and abusive. No personal interviews were conductive by the persons which congress has outlined. The consumer was also not given the ability to address this information prior to being furnished which congress has also outlined.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I filed a dispute with USAA back in XX/XX/2021 for an issue when trying to have a vendor apply a credit for a purchase to a debit card. The debit card used for the purchase had been closed by USAA shortly after due to a notice of fraud attempt on the card. A new debit card was issued to me by USAA but the vendor had indicated they could only apply the credit to the card number used for the purchase. 
I recently received notice that USAA is refusing to apply the outstanding {$48.00} credit to my new debit card that was issued to me by vendor, XXXX back in XX/XX/2021. 
I have yet to receive a detailed, documented summary of the reason for the denial after requesting this in writing. 
Just to be very clear, the dispute is not with the vendor it is with USAA. The vendor attempted to issue me the credit correctly but had to issue it to my closed debit card. So, it was the responsibility of USAA to then appropriately transfer/apply the credit to my new debit card issued by USAA, due to attempted fraud on the closed card. 
The irony is that USAA apply the partial credit of XXXX to my account but said they had to further review the remaining amount of XXXX, which made no sense to me but I allowed them the ability to go through their review. 
I provided USAA very thorough documentation of the purchases, credits, etc. and can not fathom why they are declining to issue me the remaining credit. 


I am formally requesting a further review of my credit request by USAA - again the vendor issued the credit so it is up to USAA to properly transfer the credit to my new debit card via my checking account. Again, this dispute was not with the vendor but rather with USAA for failing to appropriately apply the remaining credit amount to my new debit card and hence existing checking account. 

I am attaching copies of the credits issued by the vendor company.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I was lured into opening an account with new money by a promise of XXXX bonus after completing a certin time and the bank has gone over that promised time and have not kept their part of the deal, i still dont have the money after they have held my in money for over 5 months
Consumer complaint received 2020-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax, XXXX  and XXXX XXXX XXXX are reporting a tax lien from the XXXX County Circuit Court for the State of Indiana. In attempting to dispute the liens against my business I have been unable to receive a copy of my business report to dispute the information unless I pay {$49.00} or more for a copy of my credit report. I spoke to an Equifax representative who initiated a case on my behalf
with Equifax Business Credit and told me that I would receive a copy of my business credit report almost two months ago. To date, I have not received the report or any additional requests for information. The Equifax business grade of " F '' has caused my business undue hardship because of inaccurate reporting and prevented me from being able to obtain much needed business funding in the midst of COVID-19.
I have attached supporting documentation that shows I do not have any outstanding debt in the State of Indiana as I have never done business there.
Consumer complaint received 2022-04-29
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. (OR)

I have called and made complaints about my account they are reporting XXXX XXXX XXXX on my report I also called equifax and told them to delete for it has been more then 30 days for them to respond they refused to help me in this matter please delete this reporting off equifax thank you! Under the law they should have deleted yesterday when I called and they refused to hear my story.
Consumer complaint received 2018-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I have a collection account that i've been disputing with the credit bureaus and the debt collector for several months. XXXX and XXXX removed the account from my credit file awhile back but XXXX has refused to show me valid proof that this is my collection. The Collection agency has not provided me with anything also but they keep reporting this account on my credit file. It shows it was opened on XX/XX/2012
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX, I applied for the American Express SimplyCash Plus Card. I received an email that same day alerting me that I was approved. The card arrived the following week and I began making  purchases with it. 

On XX/XX/XXXX, I went to make a purchase online at XXXX and the charge was denied. I logged into my American Express account to verify that the charge did not go through. There was a banner on my account telling me that the card was canceled. I was not aware of this, I did not request cancellation, and American Express did not send me an email or text to alert me. 

I called American Express on XX/XX/XXXX to ask what happened. They told me they had called to verify my information. Since I don't accept calls from random phone numbers, I did not get the calls. I asked them to open the card and the woman I spoke with told me that she could re-open the account and send me a new card. I agreed. 

On XX/XX/XXXX, I chatted into XXXX XXXX to confirm that the promotional bonus I had used to sign up was still attached to my account. Remember : the account I opened remained unchanged. The charges I had made were still there and all were accurate. Only the card itself was replaced. The terms of the sign up bonus were as follows : " Special Offer : Earn up to {$500.00} cash back Earn a {$250.00} statement credit after you spend {$5000.00} in qualifying purchases on your Card within the first 6 months of Card Membership. 
Plus, earn an additional {$250.00} statement credit after you spend an additional {$10000.00} or more in qualifying purchases on your Card within the first year of Card Membership. '' The terms in quotations above are directly from the American Express application page. I have saved a screenshot of the page I used as well and can submit it if need be. 

The chat rep told me that the bonus terms no longer apply because the card has been replaced. I told him that the account remains unchanged and that only the card itself was replaced. Again, I did not request the cancellation and American Express did that without my knowledge or consent. He then put his supervisor on the line and he/she repeated the same message. This is not good policy : put out an offer to entice a customer, cancel the card, and then re-open the card WITHOUT TELLING ME THAT THE BONUS WOULD NO LONGER APPLY. I only found out about this because I contacted them myself. 

For the reasons above, I'm escalating this complaint to the CFPB. 

For reference, the chat transcript with AMEX on XX/XX/XXXX is : XXXX