davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have reached out to all three credit bureaus multiple times, I have sent in police reports showing that i am a victim of identity theft. I have asked that these fraudulent accounts and inquiries be removed as they were not authorized or opened by me & they have yet to respond or remove the accounts and or inquiries. 


ACCOUNT : XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + INQUIRIES : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX - XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXXXXXX Inquiry : 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
Consumer complaint received 2018-12-06
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. (MO)

I have not consented to a contract, so there can not be an existing Judicial contract for child support. There is a separation of powers issue along with a number of FCRA and due process issues that are routinely as a matter of habit violation. How can one be court ordered lawfully to be coerced into participating in an executive branch program through the judiciary. You just can't. FCRA 622 reads : Notwithstanding any other provision of this title, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 604 [ 1681 b ] of this title any information on the failure of the consumer to pay overdue support which is provided ( B ) to the consumer reporting agency and verified by any local, state, or Federal government agency.
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-10-25
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: Experian Information Solutions Inc. (FL)

I purchased a XXXX XXXX in XXXX and was persuaded by the dealership to purchase GAP insurance at the time of the purchase because if something were to happen to the vehicle the insurance would cover the difference between my insurance and the cost of the car. 

I did not expect to utilize it however I was in a car accident about a year later and the car was deemed a TOTAL LOSS. My insurance company paid for the vehicle, however, their was a remaining balance left on the finance for the GAP Insurance that I financed in the loan. 

There was no reason GAP should not have covered the difference and I feel I was scammed and cheated for even financing gap with the car, as my insurance covered the full amount minus the gap coverage. If you look into the paper work you will see the remaining balance on the loan was for GAP! 

That being said, XXXX XXXX reported negative on my credit report, so I reached out to resolve the issue. I reached out to them and was told if I made a payment the negative information would be removed from my report. I settled for slightly less then the amount, and they marked it as PAID with Experian, but Derogatory with XXXX and XXXX. Adding insult to injury I reached out to them with no resolution.. 

I have reached out to them several times and have also reached out to XXXX, Experian, and XXXX with no resolution. 

At this point I am becoming disheartened because I feel I was scammed into purchasing GAP insurance, and financing it with the car. Only to be cheated. They financed the gap, it did not cover my loss, left the gap insurance on the cost after the car was totaled and now are reporting negatively on my credit for the amount of the gap insurance. 

They are also not reporting the information incorrectly. XXXX XXXX XXXX is reporting a last payment date of XX/XX/XXXX with XXXX and Experian, but XX/XX/XXXX with XXXX.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, is reporting a wrong account in my credit report that i dont recognize as mine this a fraud ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On Thursday XX/XX/21 I deposited a check from my husband for {$1500.00} through my BOA app to my checking account as Ive done numerously and regularly for several years. I was notified that the funds were being held and would not be available until Wednesday XX/XX/21. 
Despite the fact that there was over {$2000.00} in liquid funds available in the account as well as {$17000.00} available on my linked BOA credit card, when I phoned BOA customer service on Friday XX/XX/21 I was told they would not release any of the funds as they were informed electronically the funds were not sent by the local paying bank, XXXX XXXX. However, I confirmed with my husband that in fact the funds had been withdrawn from his account. Where is my money?! I have been a banking customer of BOA for over 33 years! I even went to the local branch. They were courteous but completely ineffective and were themselves left on hold calling their own service line for over 20 minutes while I sat there. 
Where does the loyalty get me? There was nothing personal about how this was dealt with. I was treated like they didnt know me yet I have several consumer products with them and a long-standing relationship. I had to draw funds from an outside account to be sure my mortgage payment would clear. The people in customer service were not interested in the least with actually putting any effort whatsoever into assisting me with this issue.
Consumer complaint received 2021-10-25
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. (FL)

I purchased a XXXX XXXX in XXXX and was persuaded by the dealership to purchase GAP insurance at the time of the purchase because if something were to happen to the vehicle the insurance would cover the difference between my insurance and the cost of the car. 

I did not expect to utilize it however I was in a car accident about a year later and the car was deemed a TOTAL LOSS. My insurance company paid for the vehicle, however, their was a remaining balance left on the finance for the GAP Insurance that I financed in the loan. 

There was no reason GAP should not have covered the difference and I feel I was scammed and cheated for even financing gap with the car, as my insurance covered the full amount minus the gap coverage. If you look into the paper work you will see the remaining balance on the loan was for GAP! 

That being said, XXXX XXXX reported negative on my credit report, so I reached out to resolve the issue. I reached out to them and was told if I made a payment the negative information would be removed from my report. I settled for slightly less then the amount, and they marked it as PAID with XXXX, but Derogatory with Transunion and XXXX. Adding insult to injury I reached out to them with no resolution.. 

I have reached out to them several times and have also reached out to Transunion, XXXX, and XXXX with no resolution. 

At this point I am becoming disheartened because I feel I was scammed into purchasing GAP insurance, and financing it with the car. Only to be cheated. They financed the gap, it did not cover my loss, left the gap insurance on the cost after the car was totaled and now are reporting negatively on my credit for the amount of the gap insurance. 

They are also not reporting the information incorrectly. XXXX XXXX XXXX is reporting a last payment date of XX/XX/XXXX with Transunion and XXXX, but XX/XX/XXXX with XXXX.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital ONE has restricted the use on my personal credit card because they state they want to verify the income for a XXXX credit card account for a business I am associated with. The XXXX is a seperate entity from my personal account with a seperate XXXX #. According to their terms they may suspend my account for any reason permitted by law, however this seems unlawful since the issue is entirely with a seperate entity. They are requesting complete bank statements for the Business account which I think it is intrusive, I did not agree to that and there terms do not state I have to agree to submit bank statements for my personal account or Buisness. Ive had an issue loike this in the past where capitalone will restrict my personal account in order to access sensitive financial details. They ask for bank statements detailing all transactions and I have never experienced this type of abuse from a credit card company.
Consumer complaint received 2021-10-25
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: ENCORE CAPITAL GROUP INC. (CO)

Midland Credit Management was notified via mail of the federal laws that they were currently breaking at that time. Midland then sent a response that did not mention the laws in question and simply provided a statement sheet. Midland continues to break these federal laws and many others. Midland is now displaying their willful noncompliance of the laws mentioned on XX/XX/2021 in my first attempt ( attached ).
Consumer complaint received 2021-10-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AutoNation Enterprises Incorporated (TX)

I entered into a consumer credit transaction with XXXX XXXX XXXX dealer on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX dealer took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX dealer made me purchase insurance separately. XXXX XXXX XXXX shall be held liable and accountable for withholding information that shall have been disclosed to the consumer in a consumer credit transaction. The consumer was never given two copies of the recession notice and the required disclosures in a credit transaction according to 15 USC 1635 ( a ) ; Regulation Z 15 CFR 226.5 ( b ), and 15 CFR 226.15 ( b ).
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the account that is still reported on my account : XXXX  XXXX Date Opened : XX/XX/2021 Balance Owed : {$450.00}
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

Today, I was trying to transfer my membership points to my XXXX XXXX account. But facing the issue like this : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (WA)

Netspend has sent me cards before. I have no interest in ever doing business with them. Reviews are horrible and have many reports of losing people 's money. 

My issue is they sent a card that needed only to be activated that I never requested. Now more then once. This company does nothing for a consumer.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I made a credit card payment from my Capital One checking account to my Capital One NEW credit card. 
The funds for that payment were taken from my account on XX/XX/2022. 
To date, those funds have NOT BEEN applied to my credit card available balance. 
The card SHOWS I have a balance of {$140.00}, but my available balance is {$4.00} - as if no payment has been made. 
This is my first credit card and already not a good experience. When I checked to make my payment, my Capital ONE checking account information was ALREADY there as a payment option. 
When I called last week XX/XX/XXXX or XXXX, I was told since this is a new account, it will take longer for my payment to be applied and the available balance would reflect the payment made. I was also told my account would be updated by XX/XX/2022. 
Well, the available balance is still {$4.00} No updates, I am out of {$150.00} and Capital One is still not showing my available funds as available. 
I opened this account to increase my credit score. I use the card for XXXX XXXX back and forth to work. 
Except now I have to use my bank account. 
Please advise.
Consumer complaint received 2019-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

XXXX XXXX bought my mortgage and i can not log into my account through their website. I previously filed CFPB complaint number XXXX and received an inadequate response. It stated that since they can log into my account i can too and i don't have a problem. This is comical because i would hope a company servicing billions in home mortgages can log into their own software account ; however, just because they can log in doesn't mean i can. I have called the respondent o my complaint, XXXX XXXX in XXXX XXXX compliance department have have received no call back from multiple voice messages.
Consumer complaint received 2021-08-14
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: RS Clark and Associates, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX. XXXX AND XXXX XXXX Creditor : R.S. CLARK AND ASSOC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on R.S. CLARK AND ASSOC Original Creditor : PR.S. CLARK AND ASSOC account number ISNT DISPLAYED with a balance of {$0.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2021-09-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC 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.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (CA)

I am recieving continuous phone calls from a company trying to collect a debt for XXXX from XXXX which i do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to take legal action and threats to sue me or have me arrested. They have also reported it to my credit file with the 3 reporting agencies as a debt being opened in XXXX, resulting in a drop in my credit score and for other creditors to reduce my credit lines due to this negative report. I have disputed this on my credit file.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (KS)

My card had been declined and I received a notification that it had and left it at that. The next thing I know when I check my account is that the declined transaction had actually gone through and I received an overdraft fee. 
Wells fargo said its up to their discretion, even though I've specified that I don't want any funds removed that will cause me to go negative. What they said they could do is do a partial reimbursement of the XXXX in fees, and the partial reimbursement was a total of XXXX. This call was made on XX/XX/XXXX The transaction for approximately XXXX was approved on XX/XX/XXXX as well as a transaction for approximately XXXX was approved on XX/XX/XXXX, and XXXX over draft fees were applied on XX/XX/XXXX, for a total of XXXX dollars. Then XXXX XXXX dollar transactions went through on XX/XX/XXXX and another XXXX overdraft fees were applied, also totaling XXXX all together.