davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

I, XXXX believe that the credit bureaus such as Experian are essential to the American credit community. The system of credit reporting is massive and the credit bureaus are not given the credit they deserve serving hundreds of millions of consumers and millions of businesses in America. Sometimes, when a consumer has a legitimate complaint against how a certain subscriber is reporting a credit payment history, a bureau such as Experian can not be blamed for an indiscretion because a corporate subscriber break the rules that should be applied equally from the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Accordingly, I respectfully request a follow up from a complaint I filed directly with XXXX. My complaint response is # XXXX. My complaint was very specific. My consolidated student loans were never paid on as they have always been deferred. I XXXX, and my consolidated loan payments begin XX/XX/XXXX. It states that fact right under the STATUS of the account numbered # XXXX. However, XXXX shows no 30-day late payments, but a 60-day late for XX/XX/XXXX, and a 90-day late for XX/XX/XXXX. This negative on my credit reports hurts me personally, as I am a professional XXXX woman trying to better my life as well as the lives of my family. I believe that the XXXX should correct my credit report by removing all payment histories since I am not and have always been in a deferred payment status. I respectfully request a reinvestigation by Experian to assure me that the XXXX abides by the subscriber agreement they have with all credit bureaus, especially Experian.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have used the Capital One shopping rewards portal since XXXX and my account was abruptly shut down in XX/XX/XXXX without warning and over {$9000.00} in reward dollars earned were withheld. I no longer have access to my account to reconcile shopping trips and how much money was missing from using Capital One Shopping Rewards portal and app approximately from XXXX to XX/XX/XXXX. 

In XX/XX/XXXX, I noticed most of my shopping trips at XXXX were not tracked properly and therefore no reward dollars were issued. I reported the errors to customer service and the points were manually issued. In XX/XX/XXXX, I noticed there was significant discrepancy between the promised payout on the Capital One Shopping App for XXXX accesories versus actual payout. The actual rate difference is XXXX XXXX XXXX XXXX XXXX  I submitted a total of 20 support ticket to request payout corrections. Customer services acknowledged my request, promised to investigate and get back to me with the results. Instead, my account was shut down on XX/XX/XXXX with no explanation. My rewards balance was approximately over {$9000.00} at the time of account closure. Capital One is not willing to correct the payout discrepancy and closed my account to avoid paying out the rewards I have work hard to earn. 

I follow up with a new inquiry about my account status on XX/XX/XXXX and have yet to receive a response from Capital One. The Capital One Shopping website and app does not publish a customer service phone number. I contacted Capital One 's general XXXX and XXXX numbers to resolve but no customer service agent was able to assist and they all re-direct me to email XXXX.
Consumer complaint received 2024-04-23
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. (NJ)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX  XXXX - XXXX - Please delete this item immediately. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (CT)

I am attempting to rollover a XXXX  to my new account from the Optum account I had with my previous employer. The new financial institution is requesting a voided check or a letter on letterhead to process the request. Optum Bank states they can not provide either.
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (NV)

i have 2 collection account with allied collection services and i have requested them to delete both accounts off of my credit reports i have sent a letter requesting information and validation of debt from original creditor. they responded with the original contract and a breakdown of the charges of one account. 
According to nevada code XXXX practices generally. 

XXXX collection agency, or its manager, agents or employees, shall not : ( a ) Use any device, subterfuge, pretense or deceptive means or representations to collect any debt, nor use any collection letter, demand or notice which simulates a legal process or purports to be from any local, city , county, state or government authority or attorney. 

( b ) Collect or attempt to collect any interest, charge, fee or expense incidental to the principal obligation unless : ( XXXX ) Any such interest, charge, fee or expense as authorized by law or as agreed to by the parties has been added to the principal of the debt by the creditor before receipt of the item of collection ; ( XXXX ) Any such interest, charge, fee or expense as authorized by law or as agreed to by the parties has been added to the principal of the debt by the collection agency and described as such in the first written communication with the debtor; or ( XXXX ) The interest, charge, fee or expense has been judicially determined as proper and legally due from and chargeable against the debtor. 

This collection should have ever accumulated any interest after the fact as in the original contract in which they sent me there is nothing stating any interest will be accrued on any debt. 


accounts from desert realty acct number XXXX account from XXXX XXXX center acct number XXXX i have not gotten a response from my letter sent about the pioneer loan center but this account has also accrued interest and should not be.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (NJ)

My saving account restricted over XXXX without any reason. 

I did identity verification with rep and call with customer service team hundreds of time but never gave me the proper answer! just wait till the new notice. 

I really don't want to keep my account anymore on this bank. 

Want to close my account and return my money back
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-11-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by a representation at TransUnion when I called to submit different types of documents to verify my identity.
Consumer complaint received 2018-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp (LA)

On XX/XX/2015, I went to an emergency room due to XXXX XXXX. I called XXXX and was taken to XXXX XXXX XXXX XXXX in XXXX, Texas. While at the hospital, I was told that the VS would be covering the medical bill 100 %. I was released and I never heard another thing from the hospital or Veteran 's Affairs about the visit or any unpaid bills. I was never called nor did I receive one piece of mail concerning a bill or owed amount. I was recently made aware of the hit against my credit as I am trying to get financing for a new home. I called the credit collection company XXXX XXXX XXXX at XXXX and they said they would not delete the credit reporting without the VA paying the bill. I've called the VA several times at XXXX and XXXX and I get transferred several times and then eventually end up on hold for extended periods of time ( >45 minutes ) and nothing has been resolved with them.
Consumer complaint received 2023-04-27
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. (FL)

I discovered that many accounts 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 corrected : XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-11
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-03
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. (TN)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-12-01
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. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 2024-02-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NC)

Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

On XXXX the XXXX, 2024, I received the attached verification letter from Medical Revenue Service, XXXX. The verification letter was from XXXX XXXX XXXX, the consent for treatment was not signed by me but was signed by XXXX XXXX. I XXXX XXXX XXXX disputes this allege Debt in its entirety. 

The verification letter/Consent for service is not signed by me and XXXX XXXX XXXX not a legal representative of mine and was never given permission to sign a consent for service on my behalf. 

I XXXX XXXX XXXX is demanding that Medical Revenue Service XXXX and Atrium Health Mercy provide the signed Advance Derivative by me that gave XXXX XXXX the authority to sign the consent for service on my behalf. 

Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of XXXX. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the XXXX XXXX XXXX XXXX against Medical Revenue Services XXXX, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

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 Account Number : XXXX has violated my rights. Or 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 2024-03-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC. (NY)

XXXX. In XX/XX/XXXX I took out a Personal Loan ( XXXX # ... XXXX ) with Sofi for {$14000.00} at an Interest Rate of 10.70 % and was making payments of {$350.00} per month with no issues. 
XXXX. On XX/XX/XXXX I received an offer from Sofi via my online account that I was eligible to apply for another Personal Loan in the amount of {$11000.00} at an Interest Rate of 13.55 %. 
XXXX. I took the offer with the intent of consolidating my high rate credit cards and completed the application online. I was approved immediately and received an email saying the proceeds will be deposited into my checking account within a day. 
XXXX. I later checked my Sofi online account and saw that the proceeds of the loan was used to pay off the Personal Loan I already had ( XXXX # ... XXXX ) so no funds were ever deposited in my bank account. 
XXXX. I called Sofi Loan Dept and explained the situation to a Loan Supervisor Agent and was told that the loan I applied for was a Refinance Loan. I told the Supervisor that the application I submitted said nothing about a refinance, I requested to cancel the loan and was told that the loan was already funded and nothing can be done. I requester to speak to a higher authority and was told the the Supervisor was the only authority who makes the decision. Supervisor 's name was XXXX, refused to give last name, no XXXX # on file, phone # XXXX.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. EXPERIAN, XXXX, XXXX keep furnishing alleged transaction ( XXXX ) on my account XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX that identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I have a Navy Federal Savings Account XXXX which I have received monthly statements as well as their own website which shows an available balance of over {$1000.00} but when I went into the branch today to withdraw my money I was told the account has been closed for a long time and that I am incorrect this is simply impossible the most recent statement which the bank mailed to me is dated XX/XX/ so I am not sure what the bank is trying to pull here but I demand my money.