davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concern. 
on XX/XX/2024, I received an invoice from XXXX XXXX XXXX XXXX Collecting a debt I have submitted the remittance as instructed by the commercial code To Capital One I have also explained to Capital One that A promise or order that is not payable to bearer is payable to order if it is payable to the order of an identified person or to an identified person or order. A promise or order that is payable to order is payable to the identified person. An instrument payable to bearer may become payable to an identified person if it is specially indorsed pursuant to Section 3-205 ( a ). An instrument payable to an identified person may become payable to bearer if it is indorsed in blank pursuant to Section 3-205 ( b ) Also, according to. U.C.C. 3-603. TENDER OF PAYMENT ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender of the obligation. Neither to say capital one ignored my endorsement And pursued to sell my personal information to a 3rd party by the name of XXXX XXXX XXXX XXXX This collection agency is threatening to collect the debt that does not belong to them By sending me an invoice statement collecting A high balance of {$470.00} On behalf of Capital One I have also asked Capital One Do not sell my personal information I also have asked Capital One to do a investigation On this account in regards to the Remittance and why was not proper endorsed, Neither to say Capital One Retaliated by putting this information in my consumer credit report without any proper notice to the consumer I am asking XXXX XXXX XXXX XXXX to provide validation Of this Collection I will be giving instructions on the PDF filed Through the CFPB portal.
Consumer complaint received 2024-05-22
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. (NJ)

There are multiple old address on my credit profile that are not mines. I communicated and wrote these credit bureaus such as experience XXXX and transfusion. I have gotten no response and these credit bureau have not complied with my request. These old in accurate information are hurting me and my family situation And lifestyle due to identify theft Im currently going thru
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2024-07-13
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. (FL)

XXXX XXXX XXXX XXXX XXXX send out an identity theft form and certain accounts have been still reporting on my consumer report that needs to be removed causing danger to my lively hood of establishing credit.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CORELOGIC INC (GA)

Reported companies XXXXXXXX XXXX XXXXXXXX, corelogic, all affiliates are in possession of my stolen redit card information to wit ( social security numbers; attached accounts ) 15 usc. 1602, absent my knowledge, consent or agreement per 15 usc 1692c ; 15 usc 6802. Companies have failed and/or refused to comply to stated opt out ; proof of contract ; specified verification. I have identified the identity theft accounts in the attached opt out correspondence
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America has been sending statements to my correct address, but for some reason changed the address on my last statement and sent that to a different address in another state. This resulted in someone else receiving my personal information. The company has not been able to answer why the address was changed but they did change it back. However, that does not change the fact that my personal information was sent to someone else.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (NC)

XX/XX/XXXX I was contacted by Ally Financial in regards to my ex-husband XXXX XXXX XXXX. I explained that we are divorced and the rep kept asking for more information. This is unacceptable. He used to XXXX XXXX  and had XXXX XXXX so not only was it extremely triggering, this company found my new phone number and decided to contact me using it. I have been divorced from XXXX XXXX XXXX since XXXX, whatever debt he had incurred after being kicked out of the XXXX is not my problem or my concern. Let alone contacting me about my XXXX XXXX on a Saturday morning. It is extremely unprofessional and a cease and desist has been sent via-email to Ally Financial, if this continues I will be seeking legal counsel. I am in no way involved with his debts and I have never had any dealings with Ally Financial.
Consumer complaint received 2024-05-22
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. (MT)

I disputed to reporting agencies all debt concerning XXXX Card Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.
Consumer complaint received 2024-05-21
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-07-13
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. (GA)

I SAW MY CREDIT REPORT AND WAS RATHER DISAPPOINTED BY IT BECAUSE THERE ARE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. I have no idea on any of these accounts so please check the documents I've sent regarding this.
Consumer complaint received 2024-05-30
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 XXXX : Shorter a living woman of XXXX I did a ucc 11 sreach on my name and I don't owe any debt due the credit card company sold the debt to a thurd party and put the account in XXXX person name with out permission so that's illegal due to the privacy act of 1974, 5 usc 552a private ssn 15 usc 1681a , tila and due to the fcra The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act.i ask ( " the sole called creditor '' ) the creditor either the original creditor or a debt collector for what's called a goodwill deletion. I Wrote the collector a goodwill letter explaining your circumstances and why you would like the debt removed, and company didn't take it off then company closed the account of another person name XXXX XXXX Without out permission said it was suspicious activity going on which was not true and then sold account to 3rd party under another person name without permission I rescinded the signature and paid off the account with a negotiable instrument and they denied that as well which all companies are supposed to take any us currency which we don't owe any debt in the first place they are making money off an account I rescinded so they are stealing our securities as well off the applications in 3 people name off 1 account which is illegal.
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Federal Credit Control, Inc. (OH)

account XXXX I have yet to receive full Validation of Debt regarding this alleged debt. It is to my knowledge that this is not owed. My full request is incomplete below are the requests : 1. The agreement which authorizes the creditor to collect debt on the alleged debt 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount.

4. Documentation showing you are licensed to collect debts in Ohio. 

In addition, I was again threatened to have the police called on me. This is all because of an alleged debt that I do not feel I owe. I feel incredibly threatened by First Federal Credit Control. In addition, it was informed to the CFPB that I was confrontational, and called 7 times. Calling my confrontational is slanderous and a violation. The reason I called was due to the fact I was hung up on several times and my inquires were not answered. This is considered entrapment, intimidation and a clear violation. I request this is off my credit report - I ask First Federal Credit Control to cease and desist. In addition, I hope that this is rectified soon as I do plan on escalating these threats/ violations if not rectified timely.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Yesterday, I ran billing, and authorize.net sent XXXX to my account at Wells Fargo . Usually, the funds are available in the morning. However, this morning, the funds were missing. I called Wells Fargo and was advised they were holding my funds for XXXX hours due to some unspecified fee they could not collect last month. I advised that if that was so, they should deduct the fee and release the rest of my funds. They refused to do so, causing me major overdraft issues. This is not the first time Wells Fargo has done this. I have noted that they deliberately hold funds to cause overdrafts on the account!! The account does not have an overdraft allowance, but they keep allowing stuff to post against my account, causing overdrafts. The are rated the worst bank in America, yet they are still in business!!!
Consumer complaint received 2024-08-16
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX card serviced by Synchrony Bank. Account number XXXX. 

Synchrony Bank has discriminated against me and XXXX pursuing all avenues I can to solve my dispute prior to suing them. 

I recent requested my SCRA/MLA benefits after being denied once already. I filed a complaint against them and they reviewed it and updated my account to reflect a 0 % interest rate. Prior to that they had changed the interest on my account three times, from 26 % to 30 % and then to 34 % because of laws passed that changed the amount they could charge for late payments. This was an attempt for them to adjust their projected earnings.

Now to the present, they adjusted my account after I filed a complaint. When I got the letter stating the adjustment I noticed they had also lowered my amount owed because I wasnt supposed to be paying interest originally but then they also lowered my credit limit. I looked back at my past bills and noticed that they had been gradually lowering my credit limit throughout the life of the card even though I have made ALL of my payments. Im not the type to claim racism ever because but I know this isnt legal because they have manipulated my credit limit to keep me at 96 % credit card utilization for months. This has negatively impacted my credit this making me unable to continue improving my score. This is negligence and discrimination at its finest. I called and filed a complaint under my account and was told to file a complaint with the credit bureau to resolve this issue due to the severity of it. This is class action lawsuit worthy! They already have so many lawsuits against them from military members for similar issues. This company needs to be shut down! 

My credit limit was above XXXX and now its at XXXX and all Ive done is pay all my bills as required as a good consumer. This is credit score manipulation.
Consumer complaint received 2024-07-12
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. (FL)

As of XXXX I officially notice there has been accounts listed in my name that were not authorized by me. Im requesting a full investigation from this bureau to see why is there account reporting in my name that I didnt give consent to? I provided a ftc report to get these documents deleted from my report but better yet looked into so this wouldnt happen to me or no one else.
Consumer complaint received 2024-05-21
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. (NJ)

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out 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 1681 s-2 ( A ) ( a ) 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. Delete the accounts below.

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (MI)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-05-22
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. (MD)

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 2024-05-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (AZ)

Sofi bank advertised a 4.6 % APY for savings account after you set up a direct deposit. At first they gave my the 4.6 %, but after 2 months, they reduced it to 1.2 %. They said I wasn't meeting the terms of the agreement. When I called then bank yesterday they said that I didn't have direst deposit set up. I told them I did, but they said that my employer incorrectly coded it as a " deposit '' and not a " direct deposit. '' They told me they would put in the paperwork and that it would take 1-2 months to correct it. 

But I have other banks that use the same system for direct deposits, and they are correctly coded as " direct deposit ''. Sofi bank is using this as an excuse to cheat people out of the percentage they advertise. 

Using the same reasoning they also did not give me my sign on bonus for my checking account.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

On XX/XX/year>, I received a notice from Mohela that my pslf forgiveness payments that have been counted were 4. I knew this wasn't correct and sent a massage to Mohela to review my account due to payment forbearance during Covid counted as a qualifying payment, regardless I payments were made. In XXXX I received a massage saying that I had 62 eligible payments, 39 pslf qualifying payments and have 81 payments left. It bothers me that they really messed that up. 4 to 39 is a huge mess up. That is almost 3 years of qualifying payments they were going to XXXX me out of. I don't even know if I should trust the 39 qualifying payments.
Consumer complaint received 2023-06-20
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. based on FCRA section 605b Credit Reporting Agencies, the 3 credit bureaus required to remove any items listed on an id theft report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX