davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/year> I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Kohls has went back and changed my payment history to show I never made on time payments which is false. My account was in a positive status for awhile. I had my account and then fell on hard times. I am very upset to see they went in and reversed my payment history to show no on time payments.
Consumer complaint received 2022-06-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (AL)

Capital Accounts LLC : # XXXX Capital Accounts LLC did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named collection agency, should this item not be deleted within the 15 day period allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 


I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

My Name is XXXX XXXX XXXX i am from XXXX Mn My Bank Wells Fargo i was XXXX frad on XXXX XXXX  i called right away they sent me about 20 Letters saying they cant help me.i was I also went into my personal bank in XXXX after my husband and i got back from trip ' the lady was very understanding that i was ripped off {$3800.00} Dollars From ( XXXX XXXX XXXX Phone number XXXX My bank keeps telling me they cant really say if ill get my money back or not. 
Are Banks protected by this and required to get my money back?
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

On approximately XX/XX/2018 I received a notification for an option to refinance my Navient loan to XXXX. First off I never had a problem with XXXX XXXX but until Navient came along it been so unprofessional. A few days ago I had to pay both loans from Navient and XXXX which was confusing. I called on XX/XX/XXXX and could not get a straight answer. Until today XXXX called me and said that my loan was not processed properly and I had to begin the whole application process again. I trusted them with my credit and it is unacceptable to be treated unfairly. They indicated that they would still offer me the same terms and rates. I said that would be fine but I have lost time here. I have to review all the payments and interest was applied appropriate. I asked the supervisor for this inconvenience to provide a better rate or do some one time discount but no no no and just sorry. This is very unprofessional and some sort of compensation is due to me after mishandling my information, and my credit. Somebody needs to monitor this company for their violations. Account # XXXX XXXX XXXX
Consumer complaint received 2022-06-21
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. (PA)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2021-03-29
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. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX XXXX XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

The student loans are listing late payments. I have sent goodwill letters requesting forgiveness for late payments. I feel on hard times in XXXX and XXXX and I have tried desperately to communicate with the company about all the student loans listed in degoratory status. I am asking for a little help please.
Consumer complaint received 2018-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Alpine Credit, Inc (CO)

On XX/XX/17 Alpine Credit charged my credit card for {$1800.00} confirmation number XXXX. Speaking to XXXX, the authorization to charge the card was based upon their agreement to make an exception to their standard policy and delete the record based upon my address changes that my non-receipt of any prior notices. 

On XX/XX/17 I sent a letter demanding proof that they were authorized and/or contracted to collect the alleged debt and for documentation. No response received. 

I have made two additional calls to Alpine and asked on the status for the deletion, and was told that they do not do that. I advised them of the conversation with XXXX on XX/XX/17 and was told that there was nothing they would do. 

I did not authorize my card to be charged without the aforementioned deletion and would under no circumstances have provided that information to them. 

Furthermore I believe they have multiple FCRA violations on every contact with them, they have never identified that they are a debt collector and that any information they collect may be used. Per the FCRA.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (NC)

I paid off an auto loan I had with Ford Motor Credit, back in XXXX of 2013. I demonstrated years of consistent on-time payments on this loan. However, it recently came to my attention that Ford Motor Credit is reporting this account as a repossession. Nothing is further from the truth. This account was paid as agreed, and closed in good standing, over 5 years ago.
Consumer complaint received 2018-08-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LDF Holdings, LLC (MS)

XXXX XXXX XXXX has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail stating that his name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (WI)

Received a collection notice from I.C Systems , Inc. for the Creditor XXXX in the amount of {$350.00} on XXXX. I contacted XXXX directly instead of the collections Company to verify my concerns of fraud. I spoke to two customer service members and both verified my name and address were not in their system, and also verified they dont offer services in my area. The 24 digit Account number that was supposed to be my XXXX Account number was also verified fake as it started with an XXXX  and customer service said that normally in Wisconsin it will start with an XXXX. My initial thought was fraud due to the fact Ive never had a XXXX account. But this will surely fool lots of people the paper looks really professional and many will be scammed.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I previously submitted a complaint. The complaint was submitted about XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  refusal to take the fraudulent charge off of my credit card account. XXXXXXXX XXXX resolved the issue in XXXXXXXX XXXX XXXX and the transaction was reversed. I am submitting this complaint, because my credit score has suffered, because of the issue with XXXX XXXXk. The charge was reversed but my credit score has gone from XXXX and XXXXXXXX XXXX XXXX to XXXX and XX/XX/2024. The only issue that I have had with my credit was with this issue. Today according to TransUnion and other credit sources my credit score is around XXXX. I feel that it should be higher, and closer to what it was prior to the incident.
Consumer complaint received 2024-08-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (ID)

I signed a rental agreement for XXXX XXXX XXXX back in XX/XX/year>. Shortly after this my son became seriously ill and I had to terminate my lease before ever moving in. I had conversations with the leasing company and the last notification that I received was showing a balance of XXXX This has been turned over to Columbia Debt Recovery and they are asking me to pay XXXX. I have disputed this with the credit reporting agencies and the only proof that they show me is a partial rental agreement. Which does not show any monies owing.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/2018, I called Bank of America about using an access check to pay for my daughter 's baptism reception. I asked the rep, " If I used the check, would I get the points? If not, I will just pay cash ''. The rep got off the line to speak to a supervisor and came back and said yes. It is on a recorded call. When the check went through, the points did not appear. When I called back on or about XX/XX/2018, the rep stated that they previous rep should not have said that, but that they would give the points as a courtesy and honor what they had told me. Again, this is on a recorded call. On XX/XX/2018, I called the bank to ask why the points have not appeared. The rep ( who was not friendly at all ) stated the request was denied. And, the rep denied my request to reverse the {$180.00} transaction fee in exchange for not providing the points. 

I have been a long time customer of the bank and have never been treated this way. I would not have used the check if I had known they would treat me this way. They should be held to honor what they represented to me ( give me the points ) or reverse the transaction fee.
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (NY)

ally financial called me i tried to explain i am filing bankruptcy i gave the name of the attorney didnt have his number the agent was rude and harrassing refused to transfer me to a manager. 

told them i was calling cfpb got off the phone with them and they continued to call back
Consumer complaint received 2022-06-21
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. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OH)

I am a victim of identity theft and I have sent a police report but Walmart says I had this card and benefited from it because payment was made on it.i believe the thief made payments untill they got the credit limit up and then defaulted on it.i never had a Walmart card and I never made purchases on it and the payments were all made electronically.nobody has shown me the original contract.i will not pay on a fradulent account and I will keep disputing this until Walmart realizes this is fraud.i spoke with the fraud department and the lady was very understanding.this is not mine to prove it is fraud.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I have been the victim of fraud, privacy breach and security breach on my Venmo account. I have been getting harassing calls ostensibly from Venmo alerting me of suspicious transactions being processed from XXXX XXXX for {$550.00} and then texts asking me to enter a code. I ignored the calls and texts for several days but they kept calling with great urgency. When I finally complied with Venmo 's request, a fraudulent transaction for {$150.00} immediately was processed on my account. I called Venmo immediately and they are not helpful. They refused to reverse the transaction or to let me speak with anyone who could advise me whether or not my bank account and routing number have been accessed by the party committing the fraud. I was told an investigation would be started, that it would take XXXX business days, and I would only be able to communicate through email and only after I am contacted in XXXX business days. 

Subsequent to reporting this fraud : XXXX. I am still getting numerous calls from Venmo with the same message about transactions being processed from XXXX XXXX for {$550.00}. My Venmo account is supposed to be frozen. 

2. My email address has been changed, probably by the hackers, so I no longer can access my Venmo account and I likely will not receive the fraud investigation updates because my email address has been changed! 

The calls and texts are coming through from Venmo 's published telephone number ( XXXX ) XXXX.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (SC)

XX/XX/2022, {$0.00}, LEXISNEXIS - DOCUMENTS ATTACHED Both addresses ARE inaccurate AND unverifiable! 

Consumer law states that you must provide accurate information to a consumer. 

Reinvestigate and provided proof that my previous address was XXXX XXXX XXXX, XXXX, XXXX or XXXX XXXX Letters with different address attached. 

C.F.P.B agent Lexisnexis states in both letters that they matched the addresses with XXXX, XXXX and XXXX to confirm a bankruptcy. 

Theses addresses have never appeared on my credit reports. 

The address is inaccurate or unverifiable information!!!!!!!!!!!!!!!!!!!!!!!!!! 

Refer your companies obligations to consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall The address is inaccurate or unverifiable information ; and ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MS)

I scheduled a payment for my XXXX/XXXX  account to pay it on XX/XX/2022. On XX/XX/2022, I edited the payment and lowered it to {$400.00} as I realized that I would come up a little short between then and pay day, the online system allowed me to proceed and did not give me any errors or warninngs. 

On the XXXX, they put through BOTH PAYMENTS, even though one actually paid the account in full, so now my account is seriously over drawn. When I called XXXX about this they said they would have to 'mail me a check and it would take up to 15 days ''. 

So, now I have a seriously over drawn checking account, no money til pay day on XX/XX/XXXX and the casual disregard for the problems they have caused is the most infuriating thing. 

Thank you in advance for any assistance you can provide. 

XXXX XXXX
Consumer complaint received 2018-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

Equifax is giving me the run around online and by phone. I called their dispute line and I have called their regular line. I can not check status online and additionally questions to verify my ID are wrong. Equifax asked if I CURRENTLY have a Credit Card with XXXX, XXXX XXXX XXXX  or NONE. I chose NONE because I do not CURRENTLY have have a Credit Card with either of these companies. I cancelled those cards years ago.

How can I fix anything, if Equifax refuses to give me a human to talk to and has Misinformation with Verifying my identity. I can not get anyone to talk to me to fix my issue. I am the consumer and they are playing games with my accessing My Credit Information.

This code they emailed me does not work, nor my DOB, nor my Address, nor my SSN, nor my Full Name, they are telling me this information is wrong yet I can use this same info with XXXX and XXXX. I think I know my full name, address, DOB, and Social Security number.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pull my credit report every year and for the last XXXX years going on 3 years I have noticed some things that's not accurate within my credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy or information concerning XXXX about whom the report relates. These accounts 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 Are not mines I have never open accounts I have sent a letter every 30 days asking them to reinvestigate the accounts listed above I also included FTC Report but TransUnion credit services is XXXX it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification. 
Can you look into this problem