davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-28
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 (NJ)

I recently reviewed a copy of my credit report from XXXX XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect.

I was affected by COVID-19. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements.
Consumer complaint received 2021-09-02
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA XXXXB ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NY)

I have received a bill that was created on XX/XX/2021 from XXXX XXXX XXXX for charge off balance : XXXX and a balance of XXXX stating that an account was created with my personal information without my permission and a debt that was not validated by me the original creditor and consumer. It was stated that this information was sent to the litigation department in their company and any information obtained to about me to collect debt will be used for that purpose. 

I will be mailing a letter to dispute this debt and to demand this company to remove this collection from off all three credit bureaus. Also to cease and desist all communication with me written and orally and sending a affidavit of truth. 

This company violated list of all the violations under FDCPA with a monetary of {$1000.00} 15 usc 1692c ( a ) 15 usc 1692d ( 1 ) 15 usc 1692e ( 10 ) 15 usc 1692f ( 1 ) and Identity Thief collection my personal info without consent and account made without my knowledge.
Consumer complaint received 2021-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CITIBANK, N.A. (OR)

I had a forbearance due to Covid 19. I didnt receive notice the forbearance was ending. Instead I received overdue notice. I paid immediately. I was still given a negative mark on my credit report. Ive asked Citi for assistance with this mark and I get transferred from customer service, to delinquent accounts and back and forth. No one there will help me. I feel that it is unfair that I received this negative mark as soon as my forbearance ended and especially because I scrimped to immediately pay the balance due as soon as I got the overdue letter. I thought they were helping me by offering the forbearance but mostly taking the forbearance hurt me ( my credit ) when I was already in a stressful situation due to Covid 19, the uncertainty of work availability and prices for everything rising.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MO)

Have been a Discover Card holder since the XXXX 's and somehow missed a payment for a {$110.00} purchase in XX/XX/XXXX. I schedule my payments in advance so don't know why it didn't go through - perhaps a glitch in their software. Paid for the {$110.00} purchase but was charged {$31.00} ( 27 % of purchase ) in late fees. When I didn't pay the exorbitant fee, another {$31.00} in late fees was charged the following month ... no purchases had been made ; it was simply a late fee and interest on the prior month 's late fee and interest only - now accumulating to {$60.00} in fees on a {$110.00} purchase ( 52 % of purchase ). When I called to get fees credited, I was told they could credit the first {$31.00} but I would have to pay the second fee on the first fee that was being credited! I am a XXXX XXXX and have been a long time cardholder with an immaculate payment history. I told them to close the account and that I would not pay it and was told the fees would just keep accumulating month after month. Discover used to be consumer friendly - seems like they're more into bullying these days.
Consumer complaint received 2023-02-16
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. (PA)

IVE BEEN A VICTIM OF IDENTITY THEFT THERES BEEN SEVERAL CREDIT INQUIRES THAT IVE NEVER APPLY OR REQUESTED, THIS INQUIRES ARE FRAUDULENT OBTAIN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD INQUIRES THE ACTION THAT WAS TAKEN A POLICE REPORT AND A FEDERAL TRADE COMMISSION REPORT HERE ARE THE INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a Fraud victim and I have multiple Discrepancies on my credit profile.I have been disputing XXXXXXXX XXXX for years Now. I have no knowledge of this {$3300.00} account. I offered to pay it off for removal of my credit but they wont agree to it. This fraudulent item in my account is hurting me from becoming a officer of the law. I have a fraudulent freeze on my credit because my social security number has been compromised. Is there anyway I can please have my credit file revised. I also have a late payment recorded from XXXX XXXX that was a mistake on their end. I have reached out to them multiple times to correct this but they will not grant a goodwill adjustment. If my file was looked at in 5 years I have never missed one payment except the one XXXX has mistaking lot recorded.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have received a bill that was created on XX/XX/2021 from portfolio recovery associates for charge off balance : XXXX and a balance of XXXX stating that an account was created with my personal information without my permission and a debt that was not validated by me the original creditor and consumer. It was stated that this information was sent to the litigation department in their company and any information obtained to about me to collect debt will be used for that purpose. 

I will be mailing a letter to dispute this debt and to demand this company to remove this collection from off all three credit bureaus. Also to cease and desist all communication with me written and orally and sending a affidavit of truth. 

This company violated list of all the violations under FDCPA with a monetary of {$1000.00} 15 usc 1692c ( a ) 15 usc 1692d ( 1 ) 15 usc 1692e ( 10 ) 15 usc 1692f ( 1 ) and Identity Thief collection my personal info without consent and account made without my knowledge.
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLIANT CREDIT UNION (CA)

I am a consumer, the original creditor. On XX/XX/2020, I the original creditor according to 15 USC 1692a ( 4 ), extended credit to my loan company, Alliant Credit Union at XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, in the amount of XXXX for an auto loan, but with their fees and total, the credit union agency is charging me {$53000.00}. According to XXXX5 USC 1605 ( a ), the finance charge is the sum of all, so my car insurance, gap insurance was not included in the finance charge ( sum of all ). I requested a copy from Alliant Credit Union of my auto contract, Exhibit C, which is totally different than what I have from the day of the actual transaction, shown in exhibit D. The interest rate, the total amount is all different. This is FRAUD on all levels. Alliant Credit Union operates under the Truth and Lending Act, so why wasn't I not informed that they took my unlimited credit card to the federal reserve and was already paid in full. Not only was they paid in full, but they are coming after me for monthly payments. This auto loan is being reported on my credit report unlawfully without my consent. I am disputing this transaction because Alliant Credit Union not only stole from me but my reputation is totally ruined. I have included a affidavit of truth citing all XXXX violations, and also included an invoice, as well as a cease and desist stating what is needed. This is totally a complete violation of 18 USC 1028A. I also will include a copy of documents used and or exhibits in this report and also a copy mailed upon certified mail.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (IL)

USBANK : My Name is XXXX XXXX I have an Checking account XXXX and Routing Number XXXX. 
I purchased the tickets from XXXXXXXX XXXX XXXX  on XX/XX/2021 in morning and request transfer electronic funds to XXXX XXXX Account Number XXXX and Routing Number XXXX, XXXX XXXX XXXX XXXX after tickets confirmed from XXXX XXXX. 
In evening when i called XXXX XXXX they told me tickets are cancelled by Travel Agent. 

I called USBANK customer service to cancel this payment, it was due on XX/XX/2021 because of Saturday and Sunday and it takes 4 days to transfer the funds too. 
Bank Customer transferred to Fraud and Dispute transfer and told me after trasferred money " We will file a disputed case and then returned your money of {$1200.00} ''. 
I called so many times on recorded lines and all the time i got different reply. 

I call Cops and filed the complaint and give the complaint copy to Bank, Filled three times disputed forms. 
Two time bank fraud department told me you will get money in 1 week, I called after one week, they told me it is denyed, filed one more time disputed form. then i followed it, Fraud section told me they are working but you will get your money. 

I followed almost 10 times all are on recorded line, finally bank disputed section told we can't returned your money reason in I transferred electronically. 
But Same day i spoke to Bank asked them to cancel this transaction immediately because Agent is Fruad. 
I spoke to Agent 's Bank too but they told me go Cops which i did reported the complaint too.

I filed this complaint AIG office, XXXX XXXX but No action. 

I am looking for my refund from USBANK, because they didnt cancel when i asked but they told me after transaction we will file dispute and refund money. 

All conversation on recorded line on US BAnk. 

Looking for your help. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Email : XXXX Phone : XXXX ' Thanks
Consumer complaint received 2021-06-28
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 — Investigation took more than 30 days
Company: Optimum Outcomes, Inc. (NC)

I recently filed a dispute in regards to items that are incorrect on my credit report. It has been more than 30 days & I still have not received my results.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Biehl & Biehl, Inc (OH)

This has been going on several months. They are trying to tell me I have a debt for a company that I am not associated with. My name was used and the owners of the company are the holders of the debt they have not been contacted because Biehl & Biehl do not know who they are and they are expecting me to give all person information. They are threatening in trying acquire information, harassing.
Consumer complaint received 2021-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I've called on numerous occasion to get details on getting my loan discharged due to the misrepresentation/deceit/fraudulent activities from XXXX XXXX who faced massive lawsuits and {>= $1,000,000} settlement in response to their violations for committing illegal behaviors. I'm totally aware that I'm not the only person who was impacted by XXXX XXXX deceptive marketing practices, there are thousands of other students just like me whom need assistance too. XXXX XXXX violated some Federal, State or Local Laws directly against me, by lying to me, making false promises, and committed fraud. I attended there in XXXX I told them I wasn't being hired on the program I attended, I was told I needed to get under another program in order to obtain the correct job. I exhausted my Military G.I. Bill in hopes of a better of life. Even after the government discharged federal student loans and found XXXX XXXX guilty of fraud. I'm still continue making payments to Navient. I would like these loans discharged. In XX/XX/2020, CFPB reached another settlement, requiring XXXX to forgive {$330.00} XXXX in outstanding student loan balances. In total, XXXX XXXX has erased more than {$500.00} XXXX in private student loan debt.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # 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 an account without my written instructions.

15 U.S.C 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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

RE : Property Address : XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX Loan # : XXXX Borrower ( s ) : XXXX and XXXX XXXX We originally opened a HELOC with XXXX. Loan was transferred to XXXX. 
Full payoff in the form of a bank check was sent on XX/XX/XXXX and received by XXXX on XX/XX/XXXX ( see attached proof of receipt ). Check was cashed XXXX XXXX XXXX ( see attached ). 
XXXX ) XXXX has listed the account on my credit report as charged off. According to our records the account was never in charge off by either XXXX or XXXX. I would like this corrected on my credit report. 

XXXX ) The XXXX release letter lists XX/XX/22 as the payoff date. This should be corrected to XX/XX/22 when the check was received as per the attached documentation.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLIANT CREDIT UNION (WA)

On XX/XX/XXXX, XXXX XXXX person was sent to our home, who brought closing documents for us to sign. We are been charged for this service we were not allowed to find this service on our own which would have cost a lot less. We did sign these documents on XX/XX/XXXX. 
One of the items, in these documents, listed in " Closing Cost Details '', lists numerous charges, as well as a list of our accounts, which XXXX insist on paying off for us, using proceeds from the loan. 
As I am writing this response, it is Monday, XX/XX/XXXX, XXXX XXXX, PST, none of the accounts listed in Payoffs and Payments section are paid off! Only the cash small part of the loan, that is due to us, was deposited in our account today. 
This is todays response from XXXX : I apologize for the delay, the last communication I received from the title company was that your loan was in queue to be released. I have no control over the time it takes it release the funds or for the receiving party to process payments received. 
I have requested status updates from the title company again this morning and will forward the response. 
And then response from the title company : This has disbursed. Thank you for partnering with XXXX! 

We didnt choose this title company- XXXX did! We are forced to pay for these services directly and now by paying an interest for the loans to be paid off and the loan used to pay it off at the same time! 

I wonder how much of money from " Prepaid Interest ( {$21.00} per day from XX/XX/XXXX to XX/XX/XXXX - {$130.00} XXXX expects to collect from us, while we paying interest in the accounts, they were supposed to pay off by XX/XX/XXXX!
Consumer complaint received 2023-02-16
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. (NC)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/21 I received an alert from XXXX  about an increase of {$1000.00} on a Capital One Credit Card # XXXX. I called Capital One and they confirmed that this is NOT my card, nor am I an authorized user. After research, I discovered this was my adult sons card, which was charged off. He gave me the last four digest of the card and I called Capital One back on the automatic call line using that number. It transferred me to an attorneys office : XXXX XXXX XXXX, who bought the debt. I called them to tell them to remove the information from my credit, but they would not speak with me. They had NO right reporting this debt to my credit report!
Consumer complaint received 2021-09-02
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. (PA)

To Whom It May Concern, Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new car and these items wont get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.