davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service Company (NM)

I was unaware of the debit and never got a bill in the mail. 
Discovered the collection account on my credit report at XXXX. 
Disputed the debit through XXXX more than twice. 
" Service Credit '' claims to have fulfilled their duty but does not provide the original creditor information. This appears to be a medical bill that was sent on too quickly for collections as I have not had a break in service from my Medicad insurance. The original creditor is the same as the provider yet I don't have a way to verify who that is without information from Service Credit providing that information to me. This must be resubmitted to the insurance company to be paid. How and why this was discharged to a collection agency not once but twice u do not know. I have never received a bill from the provider or anyone else. Service Credit has posted negatively on my credit report and claims to have fulfilled their legal requirement to provide information about the account bit they have not. They are lying amd have refused to pull the report. The bill itself can be paid by submitting it to the insurance company. How this happens at this late date I don't know because I don't even know who the bill is from. Attempting to collect without providing the necessary information to verify the debit or source of debit is harassment. Negative credit reporting without due process is abuse of privilege and should be punished.
Consumer complaint received 2024-05-09
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-04-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

I bought a desktop computer along with its cables from Best Buy online on XXXX XXXX, 2023, for a total of {$130.00}. The items were delivered to me on XXXX XXXX, 2023, and I received the receipt confirming everything in order was correct and accurate. Upon receiving my monthly statement on XX/XX/XXXX, I noticed that the total amount was {$640.00}, which was inaccurate. I was able to identify the below items as fraudulent. 
XX/XX/XXXX BESTBUY.COM, XXXXBESTBUY {$400.00} XX/XX/XXXX BESTBUY.COM, XXXXBESTBUY {$98.00}. 
I contacted the customer support team at BestBuy to report that my credit card had been compromised. I informed them that there were XXXX items appearing on my statement that I did not purchase and did not recognize. They assured me that they would investigate the matter right away. They closed the old credit card and issued another new credit card. However, to my dismay, after XXXX days, on XX/XX/XXXX, I received an email stating that I had failed to properly identify the items, resulting in the dismissal of my case. I was left wondering how it was possible I did not identify and I m the one who called customer service to report an unrecognized purchase in my billing account. This information is both incorrect and misleading for Citi Bank/BestBuy credit cards . I pointed out the fraudulent items, providing specific dates of the suspicious activity, for them to conduct a thorough investigation. Additionally, I emphasized to the BestBuy/ Citi bank XXXX XXXX team that my BestBuy purchase order list account summary did not have these fraudulent items, which are listed on my credit card statement. Despite presenting ample evidence, they closed my case and demanded full payment. After I filed my case with the Office of Attorney General XXXX they opened the investigation, they requested a police report whereby I reported my case to XXXX police station on XXXX XXXX. Therefore, I am seeking assistance in resolving this matter.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

I am writing to file a formal complaint against CCS regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity.
Consumer complaint received 2022-11-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

I love Hyundai. Over the last 10 years I've had at least 5 vehicles of theirs all in a row. My most recent vehicle I purchased back in XXXX at the end of my lease. In XX/XX/XXXX that car was stolen and totaled. With that happening I realized that I was never sent the title from Hyundai after buying out the lease. I have paperwork stating that I am free and clear of the lease and all payments have been made. 

As I am now trying to get the check for the totaled/stolen car and do not have the lease I have called Hyundai twice to request a duplicate as the DMV is stating it is still in their name. I have called to request a duplicate title and was told one would be sent. I then called again a month later and was told I needed to submit the request in writing and send a check. I have done that as well, but have not received anything nor can I find any confirmation from Hyundai that they are working on it.

After doing some research this does not appear to be a unique situation as I am seeing many consumers who are dealing with this issue as well. All I want is the title sent to me. I would be happy to pay any amount they needed as long as I could get this done. It is holding up me purchasing a new car and this has been going on for months.
Consumer complaint received 2024-05-09
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. (NY)

I do not own the alleged debts seen in my credit reports I disputed accounts on my credit report and there was no change. So, I sent a notice of inaccurate furnishing to each consumer reporting agency. 

There was no response.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

To Whom It May Concern, I, XXXX XXXX, am writing to express my deep dissatisfaction with the recent services provided by Capital One Bank. As a loyal customer for over 20 years, I have witnessed a significant decline in the quality of service, particularly concerning online banking and customer support. 

In the past several years, I have encountered numerous issues with the online banking platform, particularly in making payments to credit accounts. Despite repeatedly selecting my Wells Fargo checking account as the payment method, the system consistently defaulted to my Capital One account, resulting in inadvertent payments and subsequent financial inconvenience. Despite my attempts to rectify these errors, the problem persisted, leading to frustration and unnecessary additional transactions. 

Furthermore, I am appalled by the recent decision to close all of my credit accounts without prior warning or valid justification. This abrupt action has severely impacted my financial standing and tarnished my credit history, causing undue stress and hardship. 

Additionally, the conduct of your fraud team has been deeply concerning. I have been misled to believe that my accounts could be reopened, only to be met with false promises and unfulfilled assurances. This lack of transparency and accountability reflects poorly on Capital One 's commitment to customer satisfaction and integrity. 

As a result of these grievances, I am left with no choice but to explore legal recourse to address the damages inflicted upon me by Capital One Bank. I demand a thorough investigation into these matters and appropriate restitution for the harm caused to my finances and creditworthiness. 

Since this occurred and my credit accounts were closed, I closed my capital one checking account since your systems do not work properly. 

I expect a prompt response to this complaint and immediate action to rectify the issues outlined herein. Failure to address these concerns will compel me to escalate this matter through legal channels and pursue all available avenues of redress. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-24
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Shore Financial Services, LLC (TX)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible
Consumer complaint received 2022-11-25
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. (GA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$490.00} ; 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 XXXXXX/XX/XXXX.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In researching XXXX 's notifications of late payments, I have made numerous complaints regarding XXXX  charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these 2 payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX, NAVIENT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-09
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-09
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. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX 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. 
XX/XX/XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance XXXX : {$0.00XX/XX/XXXX Balance Owed : {$0.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX I have seen numerous items on my consumer report from XXXX and Transunion that are not suppose to be on my consumer report I am disputing the following items 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 
The only name that is suppose to be on my consumer report is XXXX XXXX I do not want my social showing on my consumer report that is a privacy act of 1974 issue and that number belongs to the Social Security Administration its illegal to steal and sell identity per 15 USC 1028 A. I am disputing all telephone numbers because I have never had any of the numbers that is listed. And I do not want any phne numbers listed on my consumer report .I opt of out any promotions of selling my information soft pulls and hard pulls per 17 CFR 248.125. The only address that is suppose to show on my report is the one that is on the identity theft packet that is attached to this complaint. According to 15 usc 1681 c-2 ( a ) Transunion and XXXX have 4 days to block the information that I am disputing from my consumer report due to identity theft I do not need to fill out any other information other than what is stated in 15 USC 1681c-2 ( 2 ) Identity theft report which is attached to tis complaint. I have never obtained any goods or services from any of these companies I am disputing .There should be no inquires, no other addresses other than what's on my consumer report and I do not use any aka 's and no other names. I have been a victim of theft while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its sad that I can not obtain anything due to this identity theft i continue to face.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called numerous times in the past 3 days beginning in XX/XX/XXXX through XX/XX/XXXX. They wanted me to make a new account to transfer assets and the new account kept being denied with no solution so I lost my funds now a they refuse to unlock my account.
Consumer complaint received 2024-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

I asked for the school misconduct discharge private loan application for my Navient loans and they refused citing this response Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your private loans are not eligible because they are no longer outstanding and have been paid in full. 
The request was sent to XXXX XXXX XXXX