davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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. (SC)

I appreciate your efforts in removing some fraudulent items from my file, which were a consequence of alleged fraudulent activity. However, there are still items that need to be removed. This serves as a new notification of my status as a victim of fraud, disputing the remaining items in my file stemming from this crime. The disputed items bear no relation to any transactions for goods, services, or money that I have conducted or authorized. I request the removal of all data, inquiries, and accounts in my credit file associated with the alleged fraud, specifically : 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 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 XXXXTRANSUNION 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 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. These items are unfamiliar to me, and their presence in my file, despite being removed by other bureaus, raises questions about their accuracy and the reliability of the reported payment history. In accordance with FCRA 605B ( c ) ( 1 ) ( C ), which grants the authority to decline or rescind inaccurate information.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to XXXX & Equifax, XXXX XXXX advising them that these two accounts don't belong to me, they sent me a letter explaining that their investigation was completed. I then requested a copy of how they verified the information that I had disputed? they then advise me if I had any issue to please contact the creditor I contacted the creditor they themself have not been available to verify or furnish a signed agreement bearing my signature to prove to them that the account is not mine.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed a random {$68.00} charge on my Capital One months ago, Capital One claimed to have resolved it but got it rebilled. 

I contacted them again and they had me fill out a form which I submitted, only to have them rebill it again. 

I called and they removed the transaction and rebilled me AGAIN!!! 

If that wasn't bad enough they allowed an extra {$68.00} charge so now theres two!! 

What the XXXX is going on?!
Consumer complaint received 2020-05-16
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)

This is my second complaint is about my XXXX XXXX XXXX Credit Card. I applied to XXXX XXXX  on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I just order my credit report on XX/XX/XXXX and i notice additional 3 unauthorized inquiries on my Equifax and 3 unauthorized inquiries on XXXX  credit reports. Please see below. I authorized only one inquiry for the XXXX XXXX XXXX on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. Equifax Inquiry details XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (VA)

Because I am in an active Chapter XXXX Bankruptcy, XXXX XXXX XXXX seems to ignore and do not comply with my request and my attorney consent letter. Just in 2018, I have asked on several occasions by calling ( XXXX ) and asked for the lender name for my mortgage loan, verification and history of payments. I have waited over a week for the requested documents and no documents were sent to me. I called back and was read the Attorney Consent letter but still I have not received the requested documents. I am trying to refinance and every time I start the process XXXX XXXX helps me lose out on refinance opportunities.
Consumer complaint received 2020-09-01
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: Atlanticus Services Corporation (VA)

I, XXXX XXXX XXXX was pre-approved for two FDIC backed credit cards in which required paying a fee before they were opened. The XXXX XXXX card was eventually closed after initiating the first card and then the bank closing the initial card without consent and sending a new card, only for the card to be misrepresented in balance. The balance was paid off but the bank has not returned the {$100.00} applied to initiate the credit. The second card is Aspire MasterCard which required a {$99.00} initial fee to open the credit limit. All balances have been paid over the few months of opening the card. However, Aspire would like to close the account, indicating there is evidence of fraud with providing such evidence for review. So, they placed a hold on the account, which the consumer believes have always been placed on the account because the card only allowed 50 % use of the credit limit and declined 1 of 2 scheduled payments which included insurance and phone service. The consumer refused to close the account or accept a new card.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

I was charged an overdraft fee by Chase Bank due to an online purchase. Though my account showed a positive balance at XXXX XXXX ET, their cutoff time, and for several hours afterwards, in the morning they essentially retroactively applied the payments to the previous day meaning that even though they showed me a positive balance at XXXX XXXX  ET and at XXXX XXXX ET and at XXXX XXXX ET ... I was overdrawn at XXXX XXXX ET and assessed a penalty. 

This is frustrating because had I been shown my accurate balance the previous evening, I would have simply transferred some money from one of my other accounts to cover the deficit as I had the funds available elsewhere. If Chase treats these online transactions as if they occurred immediately, even if they show as pending for a day or more, then they need to show the charge immediately so that I can manage the funds in my account. It is absolutely unreasonable that they would show me a positive balance in my account at the last point that I have an opportunity to correct the deficit, then assess me with an overdraft fee when they're the ones who told me I was in the black. If Chase treats these online transactions as if they occurred immediately, even if they show as pending for a day or more, then they need to show the charge immediately so that I can manage the funds in my account.
Consumer complaint received 2018-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hood & Stacy, P.A. (AR)

On XX/XX/XXXX I spoke with a representative in the XXXX XXXX XXXX department regarding a car I had leased with them but was totaled. Insurance paid all but {$3600.00}. I contacted them inquiry about a settlement on the balance owed at which time the representative informed me that the account had been transferred to a third party agency for collections, XXXX ( Hood & Stacey ). I was informed that the account was referred to XXXX in XX/XX/XXXX. I did not know this until yesterday and had sent several account dispute through XXXX and XXXX and each time XXXX XXXX verified the debt and stated they were still collecting on the debt. 

On today, XX/XX/XXXX I contacted XXXX ( Hood & Stacey ) regarding my account at which time I informed the representative that I had not received a telephone call, email, or letter regarding them collecting on my account for XXXX XXXX. The excuse I was given was that there was a lot of back and forth between them and companies. The did not state which companies but did acknowledge they have not communicated with me regarding the debt which means I would have not have had any knowledge of who now owns my account. They have had my car for two years and not contacted me.
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

early last year my ex-wife totalled her leased vehicle, a XXXX XXXX. The vehicle was fully insured and insurance covered the loss and we were billed and paid the difference. The account was paid in full and closed and then we got hit with a " charge off '' that shows on our credit report monthly XXXX through XXXX of 2021 and knocked our credit down nearly 100 points and still hasn't rebounded to the level that I've maintained for 20+ years. We contacted all of the credit reporting agencies to challenge the ding on our credit. 

There was no financial loss to XXXX XXXX, we have insurance and insurance paid as expected so why did I get slammed? It's credit reporting, not a driving record. 

The agencies went through the motions, after hours on the phones, weeks of back and forth we got a couple of letters saying that they investigated and will make no change. XXXX gave no relief either ; they stood behind what they reported to the credit agencies.
Consumer complaint received 2020-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

In XX/XX/2020 i sent CAINE & WEINER a debt verification letter https : //files.consumerfinance.gov/f/201307_cfpb_debt-collection-letter-2_more-information.doc by USPS certified mail with tracking number XXXX to CAINE & WEINERs lockbox address listed on my XXXX  report XXXX XXXX XXXX, XXXX XXXX , CA XXXX CAINE & WEINER had received my latter In XX/XX/XXXX and they failed to respond to my verification letter with any documents after 30 days ( Why they thinks i owe the debt, Original creditor contract, Authority to collect the debt, Last statements ).
Consumer complaint received 2024-02-23
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-23
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. (IL)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to XXXX XXXX, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (CA)

Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 

30 days later only 1 reporting agency ( XXXX  ) said they concluded their investigations and everything is correct and its not. XXXX and XXXX have not responded and it was sent certified mail on XX/XX/2022 XXXX XXXX  ( CLOSED DATES DONT MATCH ) SHELLPOINT MORTGAGE ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX XXXX DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX XXXX XXXX, LAST ACTIVITY ) XXXX SHELLPOINT MORTGAGE XXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( XXXX XXXX, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX  XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX XXXX XXXX  ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Consumer complaint received 2023-02-07
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. (CA)

ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING
Consumer complaint received 2024-02-23
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. (PA)

You are reporting inaccurate and unverifiable information on my credit report. There are fraudulent information on my credit report. I ask for a full dislcoser of this debt. I have not receive my sign signature, original contract or any information about this debt. 

XXXX XXXX XXXX # XXXX BY LAW AFTER 30 DAYS THIS ACCOUNT IS NOT MINE. Delete this account asap. You are reporting fraudulent information on my credit report. Delete this account asap.
Consumer complaint received 2022-10-05
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. (AR)

I am submitting this CFPB complaint requesting to the Credit reporting Agencies to remove or lift the Security Freeze from my Credit File. I ordered an updated copy of my Credit Report and I noticed the Security Freeze and Fraud Alert from my Credit File and I am now requesting that the Credit Bureaus remove the Customer statement from my Credit Report indicating the Fraud Alert and Security Freeze.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (CA)

Well, I have a loan with Money Lion and the payments are {$84.00} a month. I initiated a payment for {$84.00} on XX/XX/2023. The payment was due on XX/XX/2023. Money Lion accepted the payment on XX/XX/2023, but also took another payment for {$84.00} again on the same day, which caused my XXXX  XXXX XXXX XXXX checking about to have a negative balance and cost me a {$30.00} fee. I contact Money Lion about the issue several times and they hung up the phone in my face and ignored my emails. I had XXXX  XXXX XXXX XXXX reverse the transaction and then Money Lion said I missed a payment and they would mark it as late for XXXX, and shows I next payment was not due until XX/XX/2023. They flat out refused to update their system. 

Then I sent a check to Money Lion on XX/XX/2023. My bank shows that Money Lion cashed the check on XXXX XX/XX/2023, but my checking account at Money Lion does not show a deposit for that amount. When I called Money Lion, I spoke with two people and they claimed that they never received the check, but it was in fact cashed by them.
Consumer complaint received 2024-02-23
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. (IL)

I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.
Consumer complaint received 2023-01-26
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. (NV)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-23
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. (MI)

I sent a letter last XX/XX/XXXX to remove the listed items in my file that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (MI)

My Credit report account with Experian has been compromised. My name online is inaccurate it says XXXX if you pull a report vs my hyphenated name. It has been happening like this off and on mostly this year Experian has been reporting my name as XXXX or inaccurate. They blame XXXX and XXXX XXXX another area with issues.Someone changed my email address and locked me out of my Experian account again. I just noticed During a period of time they also changed my address to my previous address XXXX I haven't lived there since XXXX. It's to easy for others to manipulate and get into Experian - you just need social security and any other information and its system will change all your info except social I had to recreate account in order to get back in Experian. Also, Under my credit union there was a link saying card linked.. It said XXXX cash back for educators - it was a credit card. I tried to get all this mess rectified but some had suspicious activity while calling Experian- it seems reps were making the corrections as we spoke .. and she asked for online email address and phone.. I called several times and couldn't progress. Automated compromised also. Calls intercepted and automated repeats or goes forward without any info etc... I don't know how to get Experian to correct my information and protect the online account- they need a better system. Someone breached Experian over and over. I called XXXX  and spoke to several people in diff department- I was told that there were 5 accounts in different names with last four of my social security number..- she said that's possible- I don't believe this- she assured me it was or that it changed.. Something odd is happening and its Experians responsibility. Another thing is improper use of online account - I received an Experian email and it had credit card balance in it. ' Good news your XXXX available credit could be higher..? My last Experian complaint wasn't resolved either- they had to change my address then because I didn't receive anything at all- my ok latest letter stolen with loan documents student date other information. T he ere are many more issues XXXX percent sure there is some type of infiltration, hacking or something with Experian..My freeze was removed and I had to put it back on.. and loans on my XXXX XXXX XXXXXXXX were in then off then back on for XXXX XXXX - between last dispute and now - someone has been busy doing in background on Experian especially & modifying my info and pretending to be me- identify theft.. the name XXXX is being used out there and I'm being set-up having to clear my name. And make corrections everywhere because of Experian inability to recognize a major BREACH.