davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (IL)

I am REWRITING to complaint to FACTUAL DATA about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accscient, LLC (GA)

There's a debt on my credit for {$1400.00} to XXXX at XXXX XXXX XXXX. However I was in hospital in XX/XX/2024 and called again today XX/XX/2024 and I was told on both occasions I do not owe anything and have no bill. I had Medicaid during my XXXX XXXX. Not sure that my Medicaid being under XXXX XXXX and not XXXX XXXX if that could have caused an issue for billing but all the other charges I occurred during all the times I was at XXXX were paid. So it should have included the XXXX bills too. I tried disputing this but nothing changed. I spoke to billing at hospital today and she said there was nothing they can do since it's been turned over to collections. I called today XX/XX/2024 to the collection agency to speak to someone but haven't so far. I had Medicaid which paid everything else because I have no bill and it should have paid the XXXX because it covered everything else.
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (DE)

All Payments were withdrawn from my bank account every month and the loan ended XX/XX/XXXX but LoanMe is stating that owe over {$3000.00} and the loan matured on XX/XX/XXXX. 
XX/XX/XXXX I spoke with XXXX in their collections department and she stated that the loan was transfer to them XX/XX/XXXX and Accounting may not have posted all of my payments and she will put a note on my account. 
continued to get calls and I told the reps and I informed them that I need the dates of the missed payments. I have not received these dates so that I can show that the payments were made. 
XX/XX/XXXX I received a call from a collection agency ACH about the LoanMe account
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am appalled by the lack of responsibility on your behalf. When is TransUnion going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX XXXX XXXX : {$8300.00} Date Opened : XX/XX/2020 - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. Update for legal correctness, please. 

XXXX XXXX Balance Owed : {$0.00} - Please give proof that my privileges have not been suspended and that this account should be shown on my credit record. Otherwise, delete this detrimental information right away. 

XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} - You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the account as soon as possible.. 

XXXX XXXX Balance Owed : {$0.00} - You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. 

XXXX XXXX Balance Owed : {$0.00} On my credit record, you have shown a DELETED account from another bureau. FCRA mandates that reporting be entirely truthful. Please delete this detrimental information right away. 

XXXX XXXX Balance Owed : {$0.00} - My credit report contains information on a DELETED account from other bureaus. The FCRA requires complete accuracy in reporting. Please promptly delete this detrimental information.
Consumer complaint received 2024-08-26
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  account numbers ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account numbers ( XXXX, XXXX ) XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX  account XXXX XXXX XXXX account XXXX all has violated my rights. I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. 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 of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( 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. and according to 15 USC 1681s-2 they are suppose to 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 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date : XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest.

( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge-off to present. 
( 7 ). Proof that you own the debt with full clear title.

( 8 ). Proof that you were on the original contract.

( 9 ) Please provide a copy off 1099c that was issued to the IRS. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NJ)

I applied for a credit card ; somewhere during the process they change my last name to the city I reside in and issued credit using my SSN information under a name that is in no way tied tied to my SSN # ; this is concerning that anyone could have opened Credit in any name Using my SSN # ; They refuse to look at the process and make any corrections. Without me now sending Legal Documentation of Who I am ; I have no problem doing this, but they Company needs to be held responsible in issue Credit in Fake name. Also Concerning they are unable or unwilling to check their computer data base to see who or why the change was made by their own Employee.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CORELOGIC INC (FL)

Following companies, XXXX, XXXX, XXXX, Corelogic, XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. XXXX, et al, has failed and/or refused to implement a block, within four days ( 4 ) per 15 usc 1681c-2 to avoid further damage from use of identity theft accounts. Social Security Card bearing stolen identity theft accounts is attached to uploaded files. COMPANIES ARE PRESENTLY KNOWINGLY AND WILLINGLY IN VIOLATION OF THE ABOVE FEDERAL REGULATIONS & CODES AND CONTINUE TO DEROGATE XXXX  's personal individual rights and privacies.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I've had a credit card with Capital One for a few years now. I was always up to date with my payments until unfortunately I had a period of financial hardship. I would call Capital one to ask for an extension and was told nothing could be done. I began just sending what I could. I would call customer service to explain my situation but payments were all being marked as late. Once I got back on track financially I began sending way more than the minimum payment. Sometimes making a large payment per week. 

I once again called customer service to inquire about these late payments on my credit report, informing them about my situation, how this negative late payments are affecting my credit. I couldn't qualify for the house I wanted. And now It's getting difficult to rent another home. However the answer was always " there is nothing we can do, we can not remove any negative late payments from your credit report '.
Consumer complaint received 2024-08-09
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have noticed a recent inquiries on my report I ordered a 3 credit report and realize someone has been trying to apply for credit card under my identity which I did not authorized. Identify theft report was completed and attached please remove these remarks from my report I did not authorize the following inquiries - XXXX XXXX XXXX XXXX XX/XX/XXXX - Capital One XX/XX/XXXX - XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have had a Fifth Third checking account since I took out my mortgage over 10 years ago. This account was used to make mortgage payments automatically. 

I had not received a checking account statement until last month, which I requested. As it turns out there was a timing issue with my company 's direct deposit and the date in which I transferred funds to my other checking account. I literally deposited a check from this account into my other account the day before by midnight. Thinking the funds would settle with the direct deposit. The account was never short of funds, literally minutes apart from the transactions. I come to find out that Fifth Third was assessing me numerous overdraft fees of {$37.00} per occurrence. Not once was I contacted by the company to explain the deposit/withdrawal dates. I contacted the bank when I was aware of the issue. They were only able to overturn three overdraft fees. I tried to explain my case with them but was unsuccessful. As a consumer, I feel taken advantage of, mislead, and lied to. 

Fifth Third sent me a detailed letter of the transactions in question for 2024. The day they assessed me the overdraft fees of {$37.00} my direct deposit posted same day reflecting a positive balance. Enclosed is the letter they sent me.
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

Ally auto has been horrible. Half the time their site was down. A while ago I accidently double paid because I didn't think it went through as it had been weeks and they didn't withdraw from account yet. I got doubled charged and was left with negative balance. They were unable to refund it in time without causing overdraft fees so I had to cancel it with chase. I tried making the payment this month and it rejected so I called chase. XXXX said it will be fine if I just pay with checking instead of savings ( I had been paying with savings previously ) and then the payment went through chase and ally took the money. A few days before the payment was due ally rejected it and hasn't refunded me even though the transaction is no longer pending on chase. I called ally customer service and a lady who hardly knew XXXX said that because chase rejected initially, the they too rejected it even though the chase charge isn't pending. With my payment due they are now demanding I pay again with alternate means but I can't because by the time they refund the money it will be past due. I do not have enough to pay it without that refund because of my XXXX XXXX health and housing crisis.
Consumer complaint received 2024-06-27
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. (IL)

I am asserting my right to dispute and investigate these erroneously reported accounts on my credit file. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each incorrect entry. I know that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have had XXXX credit cards with Capitol One. I cosigned a auto loan for my daughter. When I attempted to access my credit card accounts the login had changed. They had linked my daughter 's auto loan with my credit card without my permission. When I asked them to unlink these accounts, they refuse. I recieved and email that they will be closing my account for non use. I have not used the credit cards because I am unable to access the accounts to check billing and to pay the balance.
Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX ( only credit reporting agency to do so ) has published derogatory information on my credit report as a result of fraudulent collection attempts by Columbia Debt Recovery LLC, dba Genesis. The basis of the derogatory comments is a result of XXXX XXXX XXXX. On XX/XX/XXXX I signed a lease with a XXXX XXXX ( XXXX XXXX ) at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN. The lease specifically stated that utilities would be billed individually by unit and XXXX XXXX XXXX on attached lease, page XXXX of XXXX -item # XXXX. Upon noticing that my utility bill was escalating dramatically on a month-to-month basis ( example-gas increased for ~ $ XXXX to over $ XXXX ) I questioned management on why this was happening. After weeks of no response, residents received a notice via email ( attached ) that utilities would be " allocated '' across all residents, and this was now a term of the lease. This unilateral decision to alter voided the lease and also left it illusory. After not receiving any response from management questioning this move, and fearing other unilateral alterations, I choose to move out given the voided lease. XXXX then contracted with Columbia Debt Recovery to attempt collection who began contacting me for unwarranted and illegitimate collection. On XX/XX/XXXX I requested all relevant lease documents ( including XXXX notice to tenants and unilateral modifications to the lease ) as well as all email correspondence between myself and XXXX management. I received no information and Columbia Debt Recovery efforts ceased. In XXXX of XXXX I noticed a significant drop ( from XXXX to XXXX ) in my credit score, driven by the derogatory remark posted by Columbia Debt on the XXXX site XXXX My dispute to XXXX was rejected. This is a result of inadequate research on the part of XXXX and lack of transparency by Columbia Debt. I will also be filing a complaint against Columbia and XXXX.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute certain inquiries listed on my credit report that I believe are fraudulent and unauthorized. I have recently obtained a copy of my credit report from your agency and discovered the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (IN)

XXXX XXXX XXXX XXXX XXXX IN I traded my XXXX XXXX XXXX in which thry gave me XXXX and told me i need to inculde all accessories such as a XXXX suspension kit, XXXX dollar sub and radio, foot pegs, lights and etc. The vechile i receveied was a XXXX  XXXX XXXX  XXXX tradesman, as is warrenty, upon signing the paperwork, i was told about a warranty that was included and is XXXX dollars extra a month. I was told they would fix the suspension water pump leak and transmission oil cooler lines as the guy yold me he just bought this at an auction and his friemd told.me it was a good condition truck, the auto lot paid for a partial suspension fix XXXX dollars and i had to purchase new struts and shock coild spring package and still habe to get the water pump and cooler lines fix. the warranty states that it applies after a XXXX miles and covers anything that has occured after that. I asked for them to stop the warranty at credit acceptance and said it cant be done
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Over the course of the past 2 years, I have been diligently recovering from identity theft by removing fraudulent information from my credit reports. 
XXXX respected my rights under the FCRA and removed the fraudulent accounts, inquiries, and information but XXXX and Transunion refused to and continue to further violate me and my rights. 

I am a victim of identity theft and have supplied my FTC and APPROVED police reports countless times. 
The only correspondence I have received was that " my signature was on documents so therefore its validated '' but this is frivolous because my information was fraudulently used. 

I am now left with no choice but to file this complaint and consider seeking litigation from both of these bureaus. 

I have attached my police report and dispute letters that I have sent.