davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Date XX/XX/21
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gatestone & Co. International Inc. (IN)

I'm receiving calls every day and multiple times a day from the following number, XXXX. Back in XX/XX/2019, I answered the call and told them to take my number off their calling list as the person they asked for was unknown to me. The woman told me she would do that. The calls stopped for a few months but have now started up again for the past two weeks, non-stop. Today at XXXX, I answered. No one spoke and they hung up. I called the number back and only get recordings saying they are XXXX XXXX, a collection agency. I'm unable to leave a message or speak to anyone.
Consumer complaint received 2017-08-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (AR)

I have a collection on my report from a collection agency ( Professional Bureau Of Collections ). Opened XX/XX/XXXX last reported XX/XX/XXXX, {$3000.00}. I was never informed of my right to dispute. Please investigate this matter and remove this collection from my credit reports. Please verify if this agency has a license to collect in Arkansas. Their address is : XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2022-09-08
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. (FL)

To whom it may concern I was checking my credit monitoring app. and notice some inquiries that I did not authorized nor did I give anyone the authority to open any account in my name. I then sent letters to Transunion, XXXX and XXXX asking them to please!! remove this error off of my credit report. I never got a response back, I then call XXXX and talked to a representative and she inform me that the inquiries will remain on my credit report for XXXX  years I ask the lady why If I never applied for anything why would it stay on for XXXX years she said they do not have the ability to remove this from my credit report so I ask her can I speak to someone from the fraud department she said this is the fraud department and there is nothing we can do for you. The Inquiries are as XXXX ( Transunion ) - ( 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-01
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. (LA)

I have attempted to handle this with Equifax on numerous occasions. Please be advised that this is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid.

Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt. 
A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY 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
Consumer complaint received 2017-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (UT)

Consumer Finance : My name is XXXX XXXX. I am corresponding because I am dealing with identity theft, harassment, invasion, intrusion and abuse. 

In short, I have an account with Google and I use one of the products call Google Play. The account allows for me to make purchases. I can pay by credit card etc. I have receipts for dozens of purchases and hundreds of dollars. Yes, I have changed my passwords on different occasions.
Someone logged into my Google account, and specifically on the product Google Play and created a false radio station called, " Humble '' with specific music I did not pay for. 

The people who are stalking me are intentionally taunting me by violating my financial boundaries in my accounts and where I have made purchases. The stalkers have created diversions to stop me from day-to-day activities. This issue is about money, but is also race related in that they are doing this to taunt, bully and subject me to invasion of privacy and intrusion. The people who are logging in are framing me. 

If I have changed my passwords, what can be done to fix the issue with my account that I use for purchases? 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-11
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: Experian Information Solutions Inc. (MN)

on XX/XX/XXXX I was at XXXX XXXX  inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.
Consumer complaint received 2017-08-28
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: EQUIFAX, INC. (CO)

Went through a loan modification in XXXX with XXXX XXXX XXXX. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (SC)

I received an alert that my credit score had changed from a credit monitoring service. I saw a collection account with a company that I have never gotten calls from. I got a letter today from another credit collection company saying that XXXX XXXX XXXX has sold my collection account to XXXX XXXX XXXX. I called the original creditor on the letter. They would not tell me much. They suggest that I call the collection company. I called XXXX and they said the account was open onXX/XX/XXXX. They gave me two phone numbers XXXX XXXX and XXXX that was on the application. Those numbers are not my numbers. Then they gave me my SC number as a third number. Back in XX/XX/XXXX of last year, I talked to XXXX someone tried to open up a XXXX account in my name. This XXXX XXXX XXXX it now called XXXX is affiliated with XXXX. I tried to tell the collection agency and XXXX XXXX XXXX it this is not my account and its identify theft. They would n't listen.
Consumer complaint received 2022-03-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (FL)

Approximately XX/XX/2021 I created a website, www.vacationhomesbydisney.com, I was using Paypal for payments on the stie, during the testing phase of my site, I purchased a mock subscription ( s ) for 1.00 then would refund to myself, next thing I see is that my account is restricted, I could not speak to anyone or get any further explanation so I changed to another service. 
I kept my pay pal account open as I had also a line of credit in there, which they also would not let me use! 
I have recently paid it off in full and closed the line of credit as I want NOTHING TO DO WITH PAY PAL. But still, I can not close my account and they refuse to remove the limitations so I can close the account this is bullying to the highest degree. Paypal charges exorbitant fees they are losing business to new competitors I personally didnt like them to begin with and am sick of this unsual restriction. I want the account closed, they keep saying I can not do business with the account that is true but when I click on CLOSE ACCOUNT I get error message saying I can not close it.
Consumer complaint received 2017-08-28
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: Caliber Home Loans, Inc. (CO)

Went through a loan modification in XXXX with Caliber Home Loans. My husband had a XXXX XXXX XXXX  and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XXXX XXXX, 2017 was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
Consumer complaint received 2017-08-28
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Re : Acct # xxxxxxxx To Whom It May Concern : Dear Equifax, XXXX , & XXXX This letter is in response to your recent claim regarding Acct # xxxxxxxx, which you claim I have errors, charge offs, fraudulent accounts on my credit file. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

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 General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : 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 General 's Office Cc : Better Business Bureau
Consumer complaint received 2017-08-28
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. (CA)

Well it started when I asked XXXX to look into my XXXX XXXX account, which was closed and had erroneous information on it. It said that the account had been sold to another lender. Well they reaged the account that has been closed since 2013, and Equifax has it not showing a closing date. I try to fix one thing and they try to get me on another.i managed by to take photos of the old XXXX account before they doctored the results. Equifax has it wrong to.
Consumer complaint received 2022-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Carbon County (CO)

My claim is in regards to a medical collection listed by a company named CB Carbon Collection center of Wyoming ( debt buyer ) attempting to collect on an account which is disputed by myself under general principles as outlined in the FCRA. 
I have disputed this account with XXXX, XXXX and XXXX, and the company stamps the dispute as having been deemed accurate with no investigation, no documents, nothing but the false statement that they have met the guidelines for accuracy in disputing as presented in the FCRA. 

CB/Carbon Collection Center of Wyoming has violated my rights in this regard, and I wish for this agency to intervene and assist me in forcing the matter of transparency from this debt buyer, which has bought a debt that is not mine and insists on keeping it on my report. 

Also, according to the new laws on reporting medical information, this account, whoever 's it is, should not be listed at all. As it violates HIPAA. I simply do not understand how a person 's information can be grafted onto another 's credit report with impunity and would very much appreciate this agency 's assistance in investigating this consumer complaint on my behalf.

I authorize this agency to review all my credit bureaus, to verify the claims outlined, where multiple disputes have been presented, including date and time, and when they have been returned as accurate without any investigation, and especially none in the 30 day time line outlined in the dispute guidelines of the Fair Credit Reporting Act. 

I need assistance from this agency in this regard and thank you for your time.
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

In XX/XX/XXXX, we leased a vehicle through Ally Financial and the vehicle was returned in XX/XX/XXXX to XXXX XXXX. Ally sent out a notice saying that a final balance of {$2700.00} was remaining after the lease ended. In XX/XX/XXXX, Ally financial added {$26000.00} in mileage charges that are not listed in the contract. Ally financial also failed to produce a contract showing justification of the additional costs after being asked many times. 
In XX/XX/XXXX, Ally financial also proceeded to report the loan as open hindering future auto loans and therefore making securing an auto loan difficult due to having a current open loan for a vehicle no longer in our possession. My spouse and I have both tired to have this fixed directly with Ally but to no avail. 
Their response is to have a manager look at the account but we only receive letters and calls no resolutions or validations.
Consumer complaint received 2020-07-11
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. (MN)

on XX/XX/XXXX I was at XXXX  XXXX  inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.
Consumer complaint received 2017-10-17
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 (NY)

On X/XX/17 I set up auto payment for my new credit card account with Capital One. Apparently this auto payment information did not save? No one reached out to me, but when I logged in 3 months later I saw I was 2 months past due, 2 months worth of late fees had been assessed, my account was now past the limit because of the additional fees, and I now had 60 days late on my credit. When I reached out to the agent she suggested I perhaps updated my checking information. I did n't - and when I went to make a payment the information was still stored. She then suggested perhaps my email went to spam? Something like 30/60/90 days past due because of a glitch in the system require more than an automated email that goes to spam. When a consumer sets this up, the intent is that it works and they do n't have to check back in every month to ensure the company 's software is functioning properly. Furthermore, I tried to discuss this with the agent who gave me incorrect information, then continued to just copy + paste all of my past due dates, which does n't even start to resolve the problem. The chat was with XXXX XXXX, starting at XXXX. Her ID is XXXX.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I tried to close my account due to an upcoming annual fee, so I contacted the credit card issuer for this matter. They said they will close it and clear the balance, so I didnt need to do anything and worry about anything. This initial communication happened in XXXX, and I was just informed by the credit reporting bureau that my account is past due and my debt was sent to collection. Ive tried to contact the Barclays XXXX for the last 2 months, and each time they told me the same thing : dont worry about it. We will take it off in 1 billing cycle, but now they want me to pay in full + interest. Customers please be aware!