davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing to file a formal complaint against CAPITAL ONE, regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On XX/XX/year>, I notified CAPITAL ONE that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.
Consumer complaint received 2024-06-02
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. (TX)

According to the response I received from a previous dispute regarding account : XXXX XXXX XXXX XXXX XXXXXXXX, it was not clear on the information that was requested from the reinvestigation.15 USC 1681I ( a ) ( 6 ) ( B ) ( iii ) ; ( iii ) a notice that, if requested by theconsumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to theconsumerby the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. This account was found to be inaccurate and unverifiable, therefore violating my consumer rights. It was removed from the other agencies, and I demand that XXXX also do the same.
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

XX/XX/XXXX I have been trying to resolve this issue for two years. I called today to try and get XXXX XXXX to send me anew pay off date and amount also. I purchase a XXXX lexus in XX/XX/XXXX. I got a maintance plan and decided it was not worth the money. So instead of sending the money to me, XXXX XXXX sent {$2900.00} applied the money to my account. I wanted the money sent to me so I could do what I wanted with almost {$3000.00}. My car origial pay off date is XX/XX/XXXX. Well, today, I called and it is still XX/XX/XXXX. I told yhe customer service person my payy date should be in XX/XX/XXXX if the {$2900.00} was applied to my account. I could not get any help. The XXXX XXXX has taken my Refud and not applied to my balance at all. I been calling them for two years asking for my new payo date in writing and nothing has change. They are trying to steal that {$2900.00} from me.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I applied for a capitol one savor card in the middle of XXXX on XXXX XXXX I clicked on the card details and if gave me a list of benefits etc for this specific card. I found the terms and rates good for what i wanted ( 15 month 0 % APR ) and then after that was your usual interest rate. It also came with a few others such as {$200.00} credit after spending x amount in the first three months ( Which i did ) anyways this is not the case. I realized on my first statement i was charged interest and have not received the {$200.00} credit like i applied for. I called and capitol one stated i did not apply for that card with those benefits. I went back to the application process that i originally filled out and again that is what was on the application and terms. After verifying i indeed applied for that card ( going through the entire process again without submitting it ) I explained to them there is a mistake somehow. They then told me since i did not do it off their website they couldnt do anything and that i again selected the card with " fair '' credit and not excellent credit. Nowhere in the process of doing the application was there an option to choose anything like that. I went back to the application AGAIN on credit karma and when you hit continue to go through the application it brings you to capitol ones website to finish the application so saying it didnt do it on thier site is a LIE. It DID. And under those terms it was the same information i had applied for. All the information on the card details was the same that i applied for and yet theyre saying thats not correct. I have applied for two other cards in the previous year through third party and never got scammed like this both of those cards were exactly what i applied for. OMG. They wont do a single thing or let me talk to anyone they keep blowing me off and saying they cant convert the card WHICH TO I APPLIED FOR. This makes zero sense how they can SCAM people into this XXXX. THIS IS SERIOUSLY FRAUD AND UNACCEPTABLE. I havent been this mad in a long time this XXXX is ILLEGAL
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CA)

On XX/XX/year>, MOHELA sent me a message that a General Forbearance would be placed on my account from XXXX. I sent a message to question this forbearance and called on XX/XX/year> to decline this forbearance, and was told my account would not be placed into forbearance. Regardless, my account has entered XXXX XXXX as of XX/XX/year> and remains in XXXX XXXX as of XX/XX/year> XXXX PST at the time of my current CFPB filing. This had several major effects on my loan repayment plan : ( 1 ) My AutoDebit was cancelled, increasing my interest rate from 6.000 % to 6.250 %, ( 2 ) interest accrued during forbearance will not be subsidized under the SAVE plan, so SAVE-ineligible higher interest has been accruing because of MOHELA 's placement of General Forbearance, ( 3 ) My due date which is usually the XXXX of each month is now unclear, and I'm not sure if I will be credited under PSLF. 

I received multiple responses. On XXXX and XXXX, I received messages that the General Forbearance would be removed from my account. On XXXX, I received a message that the General Forbearance would be removed from my account effective XX/XX/year>, but this fails to address my above concerns for the 4 days that the higher interest has been accruing and lack of clarify regarding PSLF and SAVE-eligible payment.
Consumer complaint received 2023-03-13
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. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Ive been in communications with ( XXXX, XXXX or Experian ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only date of birth is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JAN (LendUSA) Holdings, Inc. (PR)

I submitted the application for a mortgage pre-qualification letter to the broker XXXX XXXX XXXX Highly of LendUs in XX/XX/2021. Initially she was very responsive. I told her that I viewed a property that I liked and wanted to know if it qualified for the loan. She completely stopped responding to my calls and text messages for three weeks. I even asked if she stopped worked at the company. Ive never had a professional person just disappear without any explanation in the middle of us working together. I later saw someone recommend her in a XXXX XXXX XXXX group and I responded in the comments that I had a poor experience with her. She heard about my comment and texted me that night saying sorry she couldnt help me. No explanation as to why she disappeared or that she even wanted to assist me. I told her that her apology was dismissive and she did not take any ownership for not responding for 3 weeks during a critical time and her conduct is very unprofessional. She wrote me back that she doesnt have to respond to me. As long as Im contacting her in an appropriate within the context of her job, I would assume that her employer requires that she respond to me as a potential client. 

Im a XXXX woman with XXXX credit score and XXXX XXXX salary. I more than qualify for most mortgage applications. I dont know if her actions had a discriminatory intent but I want to document this experience in case any other people of color experience this treatment from this mortgage broker.
Consumer complaint received 2024-06-02
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. (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 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 2023-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NORTHWEST BANCSHARES INC (OH)

We opened an online savings account with Northwest Bank and we assured, in an email from the customer service person that opened the account, that if we needed to withdraw a large amount of money that we could do so by visiting a local branch. We were told that a cashiers check could be obtained anytime. We had an initial deposit, on XX/XX/XXXX, via a bank to bank transfer. We then made and additional XXXX deposits, XXXX cash on XX/XX/XXXX and XXXX via another bank to bank transfer on XX/XX/XXXX. After having numerous problems with the bank we decided to just continue with our original bank. I visited the local branch on XX/XX/XXXX, to closer the account and was informed that I could not because our funds were being held. The branch manager brought me into her office and made some calls to find out why our funds would be held, as they were bank to bank transfers and a cash deposit. The bank that the funds came from showed that they were indeed transferred. While on the phone, she was informed that she had the ability to lift the freeze on the funds but seeing as I was a new customer, she did not want to do so. She could not understand or give me an explanation to why this was being done and agreed that the funds should not be frozen. She was going to file an internal complaint for me on Friday XX/XX/XXXX. Not having any luck with someone reaching out to me, it is obvious that they are going to hold funds until XX/XX/XXXX and XX/XX/XXXX, even though there is no explanation and with the acknowledgement that the funds are there. We would like someone to help us retrieve our money from Northwest Bank.
Consumer complaint received 2023-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (IL)

In XX/XX/2023, XXXX XXXX of Tower Loan discriminated against myself by deciding he was more qualified than my psychiatrist when he dismissed the status of my mental and emotional health as mere trigger words, intending to paint the company in a negative light, as if harassing someone at their place of work and coming to their house at XXXX made them look like heroes.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute and demand immediate correction of grossly inaccurate and damaging information contained within my credit report. Under the auspices of the Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( A ), I demand an urgent investigation into the following accounts :
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Ive been in communications with ( TransUnion, XXXX or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX My only date of birth is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-03
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. (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2024-06-03
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. (OH)

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$170.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXXXXXX XXXX XXXX Owed : {$73.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CT)

On XX/XX/2023, I reached out to a person on XXXX who goes by the XXXX XXXX to get concert tickets, as they made a post that they were selling tickets to see the XXXX XXXX at XXXX XXXX XXXX on XX/XX/2023. I reached out to them to inquire more. I told them that I was wary of scammers selling tickets, and after assuring me they werent a scammer, they even stated that I can only pay half and then after they send the tickets I can pay the remaining amount in good faith. I was fooled by the human-like interaction I was having, and ended up sending half the payment, {$180.00}, through Zelle. The Zelle account is XXXX. The scammer kept alleging they didnt receive the money, yet it was already taken out of my account so I told them I wasnt sending anymore. After I realized I wasnt getting the tickets I paid for, I told them to refund me my money. They ended up blocking me and putting the scam back up on XXXX after I looked from a different account. They ended up getting suspended on XXXX and the next day, I reached out to my bank, XXXX  XXXX XXXX, to see what I could do to get my funds back. By the end of last week, they resolved it saying they reached out to XXXX to get the funds back and they refused to cooperate. Therefore, I am filing a complaint against Zelle, XXXX, and XXXX XXXX XXXX for the {$180.00} dollars I sent to the scammer through Zelle.