davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under Title 15 chapter XXXX, I am a federally protected consumer a natural person, the administrator and the original creditor according to 15 USC 1602 ( f ) ( e ) and I am the person who regularly extends credit according to 15 USC 1602 ( g ), 15 USC 1601, 15 USC 1602 ( f ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX can not originate credit ; they can only extend credit because I am the original creditor the natural person pursuant to 15 USC 1602. The furnisher can not validate debt without my consent according to 15 USC 1692j. In your investigation with ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 USC 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to remove all accounts from my consumer report. I did not give them ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) written consent to report on my consumer report according to 15 USC 1681 ( b ) ( a ) ( 2 ). Pursuant to 18 USC 8 the government assumed all liability from the social security card on file. I XXXX XXXX the natural person is not obligated or liable to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. I have received many bills from these companies previously mention alleging I owe debt/late payment fees. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX Violates 15 USC 1605, FCRA, FDCPA, and TILA. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX continues to solicit on these alleged debts and some have even closed the account which is adverse action according to 15 USC 1681m and XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX has negatively reported on my consumer credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and ALL the credit reporting agencies will be persecuted for illegally utilizing my name and will be criminally liable for all violations according to 15 USC 1611, 15 USC 1640, 15 USC 1692e, Title 18 but not limited to.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: The Savings Group, Inc. (MD)

I was attempting to refinance my truck through RateGenius.io a financial website for these types of matters. The representative called my several times, and was unable to make a competitive offer that would be better than my current interest rate. After a few days the representative ( XXXX XXXX ) called again and offered a much better interest rate, upon reviewing the documents and going to sign the paper work, I found that he had lied about the rate. His sales tactics were deceptive and I questioned him on various numbers and he was vague and unclear. 

The rate of my current loan, is 3.65 % XXXX has stated he found me a loan for 2.79 % upon reviewing the documents, the loan was 3.49 %. When I asked XXXX about this, he said that the loan was good and the final rate was just " after they do all their stuff ''. Unknown what that actually means, but he was unable to clarify, and it was clear to me he was being deceptive.
Consumer complaint received 2020-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1800.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-03-12
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. (MN)

I never ever applied for any loan with XXXX and I have a cyberstalker and many times I try to report him to FTC and he puts something so ex date, or other info doesnt show up and a week ago I got email about loan being turned down. Files are on a freeze and I never applied for one. So cyberstalker is in all devices and there are hidden wi fi in my house. Plus I know him from 5 yrs ago so he has hacked even medical and local police sent me to Mn Attorney General who got them paid. I am XXXX with little resources so if I could stop anything I would appreciate it. For more than two years I tried to get the error of my mortgage off my credit files I do have one and at least you helped me get the XXXX XXXX to let me assume the mortgage. However XXXX  says their info still stands - it is an error as the account number is incorrect and sorry for adding this but XXXX is so difficult to deal with they refuse to listen to you
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I purchased a cashiers check on XX/XX/2022 and sent it as a payoff for my vehicle. The payoff company told me that they never received the check. I went to a chase branch to put a stop loss on my cashiers check because they never received it. When I spoke to the banker he informed me that there was another check that had the same number and was altered and payable to someone else. The same check that was altered also shows as returned, which means that chase has the funds in their XXXX XXXX  if they did not pay the check. The original cashiers check that I purchase has not been paid and still shows up in their system as issued. They told me that they were going to see if they could recover the funds and that the process would take 90 days. I asked them what funds they would recover if it was not my fault and the check was returned and they told me they could not give me back my money because they had to see if XXXX XXXX deposited the check. I was told my money was secured and I would not loose my money but they can not give it back to me even though it was not I who altered the check and the altered check was already returned, so chase has the funds.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (VA)

I acquired a mortgage with JG Wentworth XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX acquired my loan and instructed me to make payments to XXXX XXXX beginning XX/XX/XXXX. My payment was made to XXXX XXXX on XX/XX/XXXX and processed by my financial institution on XX/XX/XXXX. 

In XX/XX/XXXX I applied for a refinance and was denied because JG Wentworth placed derogatory credit information with XXXX XXXX. My credit reflected late payments of 60+ days for erroneously reported missed payments for XX/XX/XXXX. In an attempt to rectify the information, since the payments were no longer due to JG Wentworth during the time reported to XXXX, I found that JG Wentworth was no longer servicing mortgages and did not have contact information to dispute any information presented to the credit bureaus. The phone number listed on my credit report XXXX XXXX XXXX XXXX is no longer in service. My only resolve was to file a dispute with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX XXXX  returned the investigation results and verified the disputed information as accurate, denying my dispute. In addition, XXXX updated the information on my credit report, pertaining to JG Wentworth account, to reflect a Pay Status as 'Account 60 Days Past Due Date ' for the payments due XX/XX/XXXX and XX/XX/XXXX. The additional details were not only inaccurate but severely damaging my credit score. 

Upon contacting XXXX XXXX disputes department by telephone on XX/XX/XXXX, I was informed that all information was verified by the creditor electronically and they could not make further changes. They instructed me to call the phone number on my credit report. This phone number to JG Wentworth is not in service.

JG Wentworth 's erroneous reporting of my credit information has caused me to miss out on refinancing offers that would have benefited my family and I financially. Further damage was caused when JG Wentworth increased the amount of months reported past due to XXXX XXXX. My credit score has  substantially dropped due to the additional false information. I am now below 700 and can not acquire mortgage products.
Consumer complaint received 2021-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (CA)

Radius Global is a 3rd party debt collector who has infringed on my right to privacy as of XX/XX/21 they have manipulated my credit score to fall 26 points, i am requesting for them to produce a contract between me and them that gives them grounds to collect a debt from me. Due to them being a 3rd party debt collector they wont have anything in writing from me, that I know for sure. So I am requesting DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation to pay you.
Consumer complaint received 2021-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-10-14
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: JPMORGAN CHASE & CO. (NC)

To whom it may concern on Jpmcb - Card ServiceInquiry from XX/XX/XXXX, XXXXJpmcb - Card ServiceInquiry from XX/XX/XXXX i got hit with hard pulls. I never applied or authorized anything with this company. I had spoke to chase a few times in XXXX and they had said would remove this from any credit reporting agency as this was fraud.
Consumer complaint received 2020-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2022-07-12
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. (TX)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reports is not accurate either. The ground for removal they also violated under my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.S 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. They ignored my dispute and since then I have lost out on grants, loans as well as credit card offers due to their negligence. I also receive harassing phone calls from 3rd party collection agency due to them furnishing deceptive INACCURATE information. The calls are non stop AFTER I informed these parties that my number was on a do not call list as well as sent a cease and desist.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Re : Bank of America XXXX XXXX XXXX XXXX, DE XXXX On XX/XX/XXXX, I notified BofA that I have not received statements for my credit card purchases for 2 months. On XX/XX/XXXX I received the bill for the period XX/XX/XXXX XX/XX/XXXX, with a due date of XX/XX/XXXX. I paid the new balance of {$640.00}, which is payment in full for this period. 

Now it is a month later, and I have still not received any statements for any period beyond XX/XX/XXXX. Now on XX/XX/XXXX I am writing a third letter requesting timely transmittals of the statement for this credit card account. I can not make payments on time if I do not receive statements.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OR)

Opened a home Depot credit card to purchase items for home repairs. In talking to a rep, I asked if the promotion was available to me and they confirmed it would apply. It was supposed to be {$100.00} applied to first purchase. It was never disclosed that there was a minimum purchase. I made my purchase and got my bill. There was no credit applied. When I called, the reps said they would only give me {$25.00}. All I want is for the promotion that was told to me.
Consumer complaint received 2024-09-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (MN)

The debt is with XXXX XXXX XXXX for {$1200.00} for an account that was opened on XXXX, account number ending in XXXX .The address XXXX XXXX XXXX has for the person who opened the account in my name is XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX .The social security number used to open this account matched my social security number. The Debt collection company is Radius Global Solutions case number XXXX, phone XXXX. I first learned of this debt on XXXX when I was trying to open a home equity line of credit, it showed up on my credit report.
Consumer complaint received 2020-10-07
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: Utah System of Higher Education (MA)

Dear CORNERSTONE / Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education, credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting  information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On Friday, XX/XX/XXXX I contacted my bank regarding a freeze on my checking and savings account. I spoke to a Specialist regarding this issue and he discussed that they had to have an investigation, meanwhile, my account was not part of any fraudulent activity - I was just a joint account holder during this process. I asked the Specialist if my funds would still be deposited into my account ( i receive direct deposits from my job ) he specifically told me that my account being froze would not stop a direct deposit from being deposited. But, this date was my direct deposit day, hours later, still no deposit. I decided to call the bank again and speak to another Specialist. The specialist discussed that she had to speak to the authorized account holder ( my mother ) so i told her to hold on while i get my mother who was with me at the time. Then the phone hangs up. The specialist hung up in my face. Now I have to worry about paying bills because my bank has not contacted me or my mother regarding this issue and my primary funds are being held in my checking AND savings account. I have to pay bills and receive a direct deposit, but no one has helped me at all through this process.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I signed up for a checking account with CITI bank two weeks ago and was approved. I scheduled to have a deposit deposited into my new account the following Wednesday. I tried signing on to my mobile app and was restricted. I called and they said it was for a security alert and to wait for a letter in the mail to give them the reference number that was in the letter. I waited a week for the letter to come and was finally able to give them the number. They said the block would be taken off within XXXX hrs but it never was. I got my debit card the same day I got the letter and was able to use it for a few hours before a block was put on that as well. Since then I have called at least 10 times and they have asked me for my moms maiden name and the first school I went to and the number associated with my account and after providing them with that info they proceed to tell me that Im wrong that my moms maiden name isnt what it actually is and then they disconnect the call. They dont explain where the error is and or how to fix it. They just tell me that they are discontinuing the phone call and hang up. The closest branch is over XXXX minutes away so they are essentially holding my funds hostage in regards to what the problem is and or how to correct it.
Consumer complaint received 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

I have contacted Great Lakes twice to request a refund per the COVID refund guidelines for my Graduate Plus loans and was denied both times. The Student Aid website specifies the loan should be eligible for refund : " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. XXXX XXXX XXXX XXXX