davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

They went against the Military Lending Act and charged me 64.54   % annual percentage rate from XX/XX/XXXX-XX/XX/XXXX.  {$4000.00} quickly became {$7500.00}.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I called XXXX XXXX earlier this evening, issued by Capital One, to request a settlement offer if account paid in full. I was put on hold by rep, another rep by the name of XXXX then got on the line, put me on hold again to check if account is eligible for such request. Both reps appear to be outsourced from a foreign country as most companies like to do. The call cut out before XXXX got back on the line after placing call on hold a second time. I am facing financial difficulties due to pandemic and a settlement offer would be appreciated
Consumer complaint received 2020-05-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO BANK OF AMERICA AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (VA)

Target allows only three online payments a week. Why? To make a fourth payment in a week, I have to call or go to a Target store. Why? An agent was unable to explain other than state that is the policy. Why is it the policy? Consumer-friendly credit card companies allow typically seven payments a week. Making me ( and others ) jump through a hoop to make a payment seems like it is discouraging customers from making payments.
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I was involved in a chargeback dispute from a sale I made on XXXX back in XX/XX/2019. I received the notice in XXXX that the transaction has been chargebacked and marked as an unauthorized purchase. Usps and XXXX dont keep tracking records past 90 days fortunately I was able to retrieve the tracking number used and correspondence with the buyer in regards to shipping. In late XXXX I received a response from the buyer right after the deadline for evidence submittal. The buyer detailed how his now ex wife stole property and filed fraudulent chargebacks. I attempted to submit this information that would absolve me but was faced with resistance from PayPal saying it doesnt matter, I finally managed to get a link to submit my information but was decided against. The information I provided is clear that I was not involved in an unauthorized purchase and what happened was fraud. I will include some screenshots but can send more. I have not received any contact from the buyer.
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

Progressive Management and XXXX XXXX XXXX XXXX violated the law by attempting to collect a debt that I should not owe. XXXX XXXX XXXX did not even attempt to bill the Department of Veterans Affairs even though I provided them with written authorization and proof of my insurance. This is violation of Federal code 38 and 17. 

I contacted VA and verified that they never even attempted to bill for service even though I emailed the provider the authorization letter beck in XXXX of 2019 and have proof I did. I am providing VA Care Center reference number XXXX and they can be contacted at XXXX. 

I have written both the 3rd party collection agency and the original provider and have received no response. I wrote the original creditor and Progressive. I disputed the bill and asked for an itemization and received absolutely no response except to have it placed on my credit report. No itemized bill no written response nothing. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FDCPA Section 809 ( b ) and FTC opinion Letter Cass from XXXX. 

So they have never attempted to bill my insurance even though it was authorized and I went beyond the average effort and provided them with that written authorization. I believe that in doing so they settled with my secondary insurance for more than 20k less than what the VA would have paid so they may have lost over {$20000.00} and are now illegally trying to send me to collection for their mistakes in billing. 

They have ignored legal attempts to get information regarding the bill and yet have placed it on my credit while I was attempting to purchase real property and caused me financial loss. I am seeking legal advice as to what damages I may be able to recover as well.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act 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 2020-05-08
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: Experian Information Solutions Inc. (TX)

Letters were sent to both Experian and XXXX  to dispute items on my credit report. Letter 1 also included a letter to XXXX  after which the items in question were removed. The dates of letters were as follows : Letter 1 : XX/XX/XXXX Letter 2 : XX/XX/XXXX Letter 3 : XX/XX/XXXX Letter 4 : XX/XX/XXXX Letter 5 : XX/XX/XXXX Experian has yet to respond to any of my requests, including Letter 5 which I sent certified mail and received a signed return receipt on XX/XX/XXXX. I have seen some items removed indicating some sort of response, but never any investigation results or copies of my credit reports sent to me directly. The items that remain have yet to be properly verified. This is clearly a violation of my rights according to the FCRA and I am demanding these items be removed immediately. 

XXXX XXXX only response was that I supplied insufficient ID. I then supplied my ID, social security card, and proof of address that are all accurate and up to date. I have yet to receive notice that an investigation was started or see any results of an investigation. This is also a clear violation of my rights per the FCRA and I am demanding these items be removed immediately as well. 

XXXX  removed all the items after letter 1 due to not being able to verify their accuracy. I find it hard to believe that the same data furnisher could not verify the items with one credit bureau but could with the other two.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

In XXXX of 2020, I reached out to my Mortgage Company ( Loan Care LLC ) for assistance due to income loss related to COVID-19. Loan Care Informed me that I was approved ; nevertheless, I never received documentation to show my approved amount of terms. I was forced to choose between feeding my family or run the risk of loosing my home due to Loan Cares incompetence and unreliability. What Loan Care did is a direct UDAPP violation as they failed to provide assistance when needed. It is unfair that huge mortgage companies like loan care get away with this unethical behavior. Still until today call after call I cant reach a live representative and I simply get a pre recording advising Im approved. Again no information on the alleged temporary relief I was approved for.
Consumer complaint received 2020-05-08
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 have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

These creditors listed are not mine, nor is the Bankruptcy. I also listed companies that have pulled my credit, and I did not authorize them to do so. I am also exempt from any student loans as I am a XXXX XXXX   XXXX and XXXXl XXXX Veteran which by law I am no longer responsible for any student loans.
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I am submitting this complaint because I am being extremely affected by Credit CONVERGENT OUTSOURCING, INC.. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed and unfair business practices. 

Account number : XXXX Date Opened : XX/XX/17 Hight Credit Limit : {$190.00} Balance : {$0.00} My dispute is based on many damages and all the violations that they have committed. 
I want the item removed from my records asap.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX and I am sincerely asking for your assistance in this matter. My Wife XXXX had used a Capitol One Credit Card in XXXX and I had just lost my job after 36 years and she was not working. It was an extremely hard time for me and my family. 
We had to pay rent, buy food and support our family. In XXXX we received notice of garnislhier her salary at her new job. 
Capitol one notified the Sheriff office in XXXX XXXX NY and issued an income execution ( Sheriff file XXXX ) ( Court Index XXXX ) We were contacted and asked how much we can pay. I informed them {$100.00} a month. My Wife has been sending $ XXXX from that point on and never missed a payment. She has paid {$8400.00} to the Sheriff. The Notice we just received from the Sheriff office stated she still owes {$46000.00}. How is this possible on a credit card that less than {$10000.00} originally owed. This is all interest????? How is this allowed.. 


I need assistance in this matter. XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MI)

I have a credit card account with Discover Bank. I have had it for over XXXX  years. I have perfect credit history with no a single missed payment in the past XXXX  years. I had set up auto pay on the account years ago, and have been making payments on the account proactively ever since I have had it. I stopped using the card months ago due to issues with the website ; however, it appears a couple of transactions came through unexpectedly and triggered a payment for {$80.00}. Since I had set up auto pay years ago ( probably over a decade ago ) I expected any transactions that come through to be paid automatically. However, it seems that feature had somehow turned off, and I didn't receive any sort of notifications on my updated email to indicate the payment is late. In fact, I only found out after it hit my credit report and XXXX XXXX  alerted me to a change on my profile. The bank had reported the transaction as late XXXX  days. I contacted the bank to no avail, as no one was willing to even entertain the thought of helping. I of course made a payment immediately to pay it off since it was an insignificant amount, but the bank refused to remove the derogatory hit, event though this was the result of a banking error since the auto pay was somehow removed from my account. I request for the bank to remove the reporting of the XXXX  days late from my credit reports.
Consumer complaint received 2020-10-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have requested to see Verified record of XXXX  and Transunion files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer.
Consumer complaint received 2022-06-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

On XX/XX/2022 i received email for promotion give away for complimentary XXXX XXXX XXXX XXXX$800.00} value, if I closed on my purchase with them, I closed with this lender on XX/XX/2022, I have reached out to the client over dozen time via email for the status of my XXXX XXXX XXXX, with no luck in getting what was offered to me upon closing.
Consumer complaint received 2022-07-18
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX
Consumer complaint received 2023-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GLOBAL CREDIT UNION (OR)

Job application fraud. I applied for a data entry position, received an email, responded, and started the interview process for 48 straight hours. I was hired, and provided a check for over {$2100.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The check cleared and showed in my account balance. This company then instructed me to send {$500.00} to their vendor using XXXX XXXX. I did this, then had doubts. I called my bank, AlaskaUSA Federal Credit union and learned it was a scam. Essentially, the check for {$2100.00} will be cancelled, but only after I paid them for office equipment. I started a fraud claim with both my bank as well as XXXX and no one can help me. The bank placed the check on hold, so its not an available to spend. However they say Im not getting back the {$500.00} for office equipment. My bank also stated that they will not investigate the scammers. I want help, please! Help to catch these people and help getting my {$500.00} back. I still have the emails and the check from the fraudulent company. Please help.
Consumer complaint received 2024-09-25
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : XXXX by : [ XXXX XXXX XXXX XXXX XXXX of Inquiry : [ XXXX XXXX, XXXX  ] XXXX Reporting Agency XXXX XXXX XXXX ] Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears.

2. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report.

3. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (DE)

I leased a Kia XXXX which the Lease Expired, in XXXX of this year. Because of COV-19 Delaware begin its state of emergency in early XXXX with stay at home orders. At the request of the dealer I turned my car in the end of XXXX. Two weeks later I logged into my Kia Motors Finance account to see my end of year lease report which showed {$0.00} due. I was under miles, no damage, etc. 

3 weeks ago which WAS 4 months after I turned in the lease I get a bill for {$9300.00}. 

Excess MIleage Charge {$8300.00} Turn In Fee {$400.00} Unpaid Lease Payment {$450.00} XXXX XXXX and Taxes {$180.00} The bill shocked me since 4 months had past and when I logged into my account previously it said {$0.00} due. What also shocked me was the Excess Mileage car because my car only had @ XXXX miles on it when I turned it in which was not even past the XXXX i was allowed each YEAR. 

I called to dispute. I learned that the dealer added another XXXX on the mileage so it looked like I had XXXX. That was quickly corrected. I was then told I still owed a payment for XXXX. I explained I'm not paying fo a payment for a car I didn't have which I turned in early because Emergency stay at home orders. I asked for a letter explaining why, and they told me to talk to the Dealer. I explained I'm not working with the dealer as I was told everything would be fine, and I am disputing the remaining balance. They are refusing to even attempt to show compassion during this COV19. If this is no resolved through this channel the next step will be a complaint with my state Attorney General 's Office.
Consumer complaint received 2020-11-17
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. (MA)

Ive sent 3 different letters to the credit bureau to verify inaccurate information on my credit report. Ive even filed a police report stating my identity was stolen in the process. Most of these accounts are at a address That I have never been associated with as well. I know federal law is that The Credit bureau must respond to me in 30 days. Its now 90 days and I havent gotten a response.
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc. (FL)

First Credit Services XXXX INC is reporting false and frivolous information to XX/XX/XXXX credit bureau Facts are, I cancelled the membership for XXXX XXXX in person, after that I did send a USPS Certified mail which a XX/XX/XXXXXXXX representative signed for. And I sent numerous e-mails which were responded as well and see attached to this. 
I advised by banking institution that I requested XXXX XXXX to stop charging my account as it was cancelled, action which was DISREGARDED by XXXX XXXX.