davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ARM WNY LLC (IL)

Dear CFPB, Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. The consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802. Attached is the following companies who are reporting after an opt out letter and verbal communication was giving over 30 days ago. As the CFPB per 15 USC 6805 ( A ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follow you shall enforce this law to the following companies listed below. 

Sincerely, TD AUTO FINANCE Account Type - Detail : Auto Loan Auto Loan - Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$27000.00} {$27000.00} {$27000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7200.00} {$7200.00} {$7200.00} High Credit : {$7200.00} {$7200.00} {$7200.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  Monthly Payment : {$180.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1800.00} {$1800.00} {$1800.00} High Credit : {$3100.00} {$3100.00} {$1800.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$690.00} {$690.00} Last Reported : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-05-23
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)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2016-06-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: URS Holding, LLC (GU)

I secured a bar study loan in XXXX through XXXX aka XXXX, with XXXX as the third party lender. I subsequently had my payments deferred, until I ran out of time, but I went through a period of unemployment and undermeployment so I was unable to pay. First, I was told to pay XXXX XXXX XXXX, and I did begin making payments. Then I was told to pay XXXX XXXX XXXX, but I did not. Finally, I was contacted by XXXX and I made arrangements to pay them and have been paying them since XXXX. 

Last year, I was alerted that negative information was added to my credit report. When I checked, I saw that XXXX XXXX XXXX listed themselves as a collection agency on a debt I owed. I reached out to XXXX and they were able to conduct and investigation and remove the information from my credit report. 

A couple of months later, I received a call from Enterprise Recovery Systems attempting to collect on the same debt. They mailed me proof of the loan documents. I advised them that I did not deny owing XXXX, but that I was already paying another company. Enterprise said they could only help me if I could get a copy of the original loan documents from XXXX. Then, they also reported this debt to the credit bureaus as seriously delinquent, however, XXXX did not remove this from my report. 

When XXXX reached out to XXXX to get documentation on the loan, XXXX was unable to process the request because, they claimed, that XXXX is currently involved in litigation regarding its loan practices. When I reach out to XXXX myself, the telephone numbers were not in service ; I mailed them and received no response. ERS would not provide me with any contact information so that I might try to reach XXXX another way. 

I subsequently emailed Enterprise and attached scanned copies of multiple emails from XXXX XXXX regarding my loan from its origination where XXXX is listed as the third party lender financing this loan, subsequent emails showing who I was supposed to pay, and payments made. I received no response. 

I have paid the loan down so far that my balance is just under {$1000.00}. Some payments were submitted to XXXX XXXX XXXX ( but I have no credit on my account for them ) but majority have been submitted to XXXX. At this time, all I have to support my claim is emails from XXXX and XXXX. I requested an itemized statement from XXXX. 

Please help me as I have no other recourse!
Consumer complaint received 2023-09-18
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)

This is inaccurately reporting on my report. 
XXXX US DEPT . OF EDUCATIO- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

on the day XXXX XXXX 2016 I got a call from a collection agency XXXX XXXX XXXX account number XXXX reporting that they had applied for a loan with my personal information in XXXX. and I have not traveled to this state. So my identity was stolen and being used in the United States where I do not live. I live in XXXX XXXX and all my credit transsaccion is in XXXX. requested to be informed other credit companies. by I NOT authorize any transsaccion without my consent. This is my cel. phone number XXXX for other question. Additional need to change the address of Florida. I have not provided any US address of any company of credit report. My only residence is in XXXX XXXX. This is the number of complaint reported to the police of XXXX XXXX XXXX
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have a XXXX XXXX XXXX ending in XXXX They restricted this card so I couldn't use it almost 3 years ago. I have requested they close it multiple times because they keep charging me a fee every year ... yet they don't let me use it. 

They recently charged a fee and my account is late now for a fee THEY charged on a card I cant use and that I thought was closed the LAST TIME i had the pay the fee. 

I contacted my attorney and he said they are in violation of the Fair Debt Collection Practices Act and the FCRA. 
I called them yet again about my account and they claim they will not fix it. 
-- HOW CAN IT BE LEGAL FOR THEM TO FORCE ME TO PAY THEIR FEE ON A CARD I HAVE REQUESTED TO CLOSE AND THEY WONT LET ME USE??? 
THIS IS AGAINST THE LAW AND I DEMAND THEY REMOVE ALL THE FEES FROM MY ACCOUNT AND THE LATES FROM MY CREDIT AND CLOSE THIS ACCOUNT!!!!!! 

I need this fixed as this is affecting my financing specifically and that is another violation which I am prepared to take legal action.The late on my credit needs to be removed today.
Consumer complaint received 2024-06-25
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. (FL)

I have made multiple attempts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I did not authorize this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (CO)

I traded in a XXXX XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX I made a payment arrangement with Ally Financial to take care of the {$410.00} lease termination fee. Payments were made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have paperwork reflecting payments were taken from my bank account and that there is an agreement in place. During this time I continued to receive calls while the payment plan was in place and money was taken out of my account. Due to AlIy 's negligence mine and my wife 's credit reports have suffered for what I agreed to pay and did pay.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> I received a letter of the debt in the amount of {$880.00} by XXXX XXXX XXXX, XXXX. I am not trying to dispute and show proof that I was in prison when I was a victim of identity theft. I would like to have the debt amount in XXXX taken off my credit records. Thank you.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX of XXXX  I had to file two police reports of fraud from Bank of America, someone tried to open up an account or has an account in my name, not sure if it's a checking/savings account or credit card. The company did not give me any information as to who opened it or who has it. XXXX  XXXX  police report of fraud is # XXXX I live in XXXX XXXX, Oregon XXXX police report of fraud is # XXXX the person who opened account is in XXXX Oregon.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reached out to the company to settle an account with an offer. My account for a car loan account # XXXX for a XXXX XXXX XXXX had been charged off, but I wanted to finalize any obligations. 

I sent an offer of {$4000.00} to Capital One Auto finance via the overnight pay processing center in California. Along with the payment, I attached an agreement that identified the payment as contingent upon an agreement to settle the account in full and discontinue reporting any negative information to the Credit Bureaus. The payment was relcieved and processed initiating an accord and satisfaction between myself and Capital One. 

The following contract and agreement was written clearly on the front of the payment tendered : " By Endorsement By accepting and cashing you agree to Report this account and any debt it holds as " paid in full '' and remove any negative information about the debt being reported to XXXX, XXXX, XXXX credit bureaus. XXXX or cashing of this payment will constitute a satisfaction and acceptance of this agreement. '' This contract law is based on UCC 3-311, which states that by simply accepting the payment as the accord, satisfaction is reached. Capital One contractually accepted the new agreement and has breached contract by continuing to report this negative account to the Credit Bureaus. 

In addition to this breach of contract, Capital One XXXX further disregarded its obligations by continue to bill me for an additional {$2200.00} to settle the account finally in XXXX. This was the amount in adddition to the amount of the initial {$4000.00} settlement offer that was accepted in XXXX. 

I contacted Capital One XXXX several times to inform them of this issue. They refuse to honor the contract.
Consumer complaint received 2023-09-18
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: SYNCHRONY FINANCIAL (LA)

Third time company XXXX is reporting incorrect status of my account. SYNCBLOWES Account should be in an OPEN status. I have contact SYNCBLOWES and they have sent 3 forced reports to show account is OPEN & ACTIVE status. 

I requested XXXX to update through a dispute Confirmation number : XXXX. When this was complete it showed open for one day and the next went back to reporting as closed. 

All other credit bureaus XXXX and XXXX are reporting this information correctly. I have included the Credit report from XXXX and XXXX reporting correctly. XXXX is INcorrect and not reporting accurately.
Consumer complaint received 2024-07-08
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. (FL)

I have review my consumer report and I noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have provided screenshots for in the complaint on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand that these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you! Please see the screenshot attached :
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

New married name : XXXX XXXX XXXX ( formerly XXXX ) My loans are due the XXXX of each month. I generally send a paper check but on XX/XX/XXXX for that month, I had a phone transaction go through and hung up. TWO weeks later, MOHELA ( yes, them ) said that my phone payment didn't go through and that I was LATE. So I sent them a paper check # XXXX which they cashed on XX/XX/XXXX. XXXX payment : I sent in mail check on XX/XX/XXXX; they cashed that check on XX/XX/XXXX but are now STILL telling me they DIDNT GET IT. Even though they cashed it. I was asked to send bank documentation but THATS NOT MY JOB ( although I did request copy of canceled check from XXXX XXXX XXXX XXXX XXXX- which should not happen ). They keep saying I'm late to pay ( IM NEVER EVER LATE ON STUDent LOAN PAYMENTS! ) and as an XXXX person, Its really getting my down to the point that I want to hire a lawyer. GET THEM OFF ME! I can not imagine Mohela getting any worse with their egregious abuse of power and trust regarding student loans. Their incompetence and blame shifting has reached a new high.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I received an email from the XXXX XXXX XXXX stated that they received information about a missed student loan payment. I HAVE NEVER MISSED A STUDENT LOAN PAYMENT. 

In fact, Mohela has withdrawn money from my bank account and has not reflected it on my account. I have been on autopay since the beginning. I have evidence that all my payments have gone through.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (NY)

Whenever I see a payment about to come out, if my funds are a tad low I transfer it in immediately from another account BEFORE morning banking business hours. Or I go to the ATM and deposit cash. Never once have they declined my debit card when my funds are insufficient, they let it go through so they can charge me fees. And they are not using my over draft protection like my credit union does! I'm sick of it it's been hundreds of dollars stolen from me since XXXX.
Consumer complaint received 2024-07-08
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. (MD)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Post date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$5000.00} Post Date XX/XX/2023 XXXX XXXX {$1000.00} Post Date XX/XX/2023 XXXX XXXX {$550.00} Post Date XX/XX/2023 XXXX XXXX {$2000.00} Post Date XX/XX/2023 XXXX XXXX {$300.00} Post Date XX/XX/2023 XXXX XXXX {$1900.00} Post Date XX/XX/2023 XXXX XXXX {$2100.00} Post Date XX/XX/2023 XXXX XXXX {$700.00} Post Date XX/XX/2023 XXXX XXXX {$1800.00} Post Date XX/XX/2023 XXXX XXXX {$2500.00} Post Date XX/XX/2023 XXXX XXXX {$2600.00} Post Date XX/XX/2023 XXXX XXXX {$1000.00} Post Date XX/XX/2023 XXXX XXXX {$2000.00} Post Date XX/XX/2023 XXXX XXXX {$1000.00} Total = {$24000.00} My credit limit at the time was {$13000.00} and I only had {$10000.00} credit balance. Initially disputed charges as I did not make them. Did not hear from Capital One. Card was cancelled and they continue to charge me interest. Wrote to Capital One to see what status of dispute was. Did not hear from them. Received a letter from XXXX XXXX, XXXX a collection agency. They said Capital One had determined these were not fraudulent charges even though the circumstances themselves would indicate fraud. Wrote to collection company and spoke with XXXX on the phone. She had no details, but said they would let Capital One know I was still disputing the charges. I can send you a copy of the credit card statement showing the charges. Checked internet to see what " XXXX XXXX '' meant and it said XXXX was " Capital One XXXX XXXX XXXX Bank. XXXX I can't believe whoever was looking at my credit card account would not decline to make these payments because they were way over my credit limit, if for no other reason. I DID NOT AUTHORIZE THESE CHARGES AND HAVE NO IDEA WHO MADE THE PHONE CALL OR WHERE THE MONEY WENT TO. Please help.