davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023 I made a payment of {$3400.00} to my credit card which lead to overpayment of {$3200.00} before traveling out, when I returned back from my travel I then found out that my card has been restricted for whatever reason which I called capital one for them to remove or resolve the restriction, and they never did, After XXXX weeks of patiently waiting I then wrote a letter to them asking them to close my capital credit card and reimburse me back my remaining funds as a check. After some days of writing to them I noticed that on XX/XX/2023 my remaining credit which was remaining in my account was taken from my credit, and when I called they said that I should wait for my check which will take XXXX to arrive, and I have waited and called severally but still they kept sending my call to XXXX support who gave me no reasonable explanation regarding on what the charge is for. Despite my efforts to ratify this matter directly with capital one, the response has been unsatisfactory, leading me to seek redress through this legal system. I believe this this wrongful depletion of funds and also constitute a violation of FCRA section 611 and has caused significant financial harm to me.

Now I check to find out that they still charge me an interest which has been putting my card on negative and also messing up my credit score which seems to be the evil and worst nightmare to me. They demanded for a statement which I have submitted and yet why will they restrict my card without closure and also holding my remaining funds while still putting my card on negative that also affected my score. This is so unbearable to me. 
Please I need your legal assistance. 

And below are little attachment of what has been going on all this while
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Equifax refuses to remove the following information from my credit files. I have called the companies and they have stated they have not received a dispute. I have disputed these items multiple times. THE INQUIRES ARE FRAUD! Filing police reports and what not in order to have this information removed. Equifax is committing fraud by refusing to remove this fraudulent and offensive information! It is listed below in my police report and screen shots.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2024, I attempted to log in to the TransUnion website to check my credit report and dispute a collections account. I had already done so successfully through XXXX. The TransUnion website was completely inaccessible and according to online comments has been for quite some time. Access to paid features was not affected, but access to the free credit report and dispute tool was completely blocked.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/2024, XXXX auto loan has been paid off in full and since, they have been reporting changes in payment history and balance increases to the credit bureaus but not reporting that the account is paid in full. I have disputed this with the credit bureaus and the disputes have come back complete with no changes. This means XXXX is unethically practicing reporting and collections which goes against the FCRA and compliance 2. These credit bureaus are definitely not seriously verifying the information and statements that are being placed on credit reports nor the disputes from the consumers. This is causing damage in manipulating the credit scores and history.
Consumer complaint received 2023-08-31
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)

In accordance with Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has Violated my Rights 15 U.S.C 1681 Section 602A 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 tarnish a account without my wrriten instructions
Consumer complaint received 2024-01-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

First loan in modification. 

Atlantic union bank not only made ways to avoid allowing payments but when they knew my first mortgage was in modification they did not follow the legal process to allow application for a modification of the second loan after requested multiple times by way of XXXX  abuse. They also failed to allow a modification or application for one in accordance with federal laws. They instead sought judgment through a court which has yet to be heard in court.
Consumer complaint received 2023-08-05
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. (NC)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX  Original creditor XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

In accordance with the Fair Credit Reporting Act this creditor had violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-05
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)

In despite of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX Balance Owed : {$540.00} ; XXXX, XXXX  XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NV)

Nelnets default payment allocation policy of applying small portions of each payment to all loans rather than applying the entire payment to the highest interest single loan is predatory and designed to intentionally keep borrowers in debt longer and allow them to collect more interest. I have requested that my payment allocation be changed to have my entire payment allocated to my highest interest loan and they have replied to my repeated requests that doing so will cause my account to be placed in past due status. It is within my legal rights as a borrower to have my payments allocated in the manner I described yet they refuse to make this change to my account. Any other repayment allocation method than applying the entire payment to the highest interest loan is predatory and should not be allowed by the Department of Education or any other agency with jurisdiction over Federal Student Loans. My account is now listed as past due and I can only make payments if I agree to allow them to allocate them in the predatory fashion that keeps me in debt longer and makes them more profit in interest payments.
Consumer complaint received 2024-01-08
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: ECredable (FL)

Account # : Account Type : Account Type - Detail : Bureau Code : Open Account Telecommunications/Cellular Individual Account Status : Monthly Payment : Date Opened : Balance : No. of Months ( terms ) : High Credit : Credit Limit : Past Due : Payment Status : Last Reported : Comments : Date Last Active : Date of Last Payment : Open {$0.00} XX/XX/XXXX {$0.00} O {$120.00} {$0.00} {$0.00} Current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * XXXX AND XXXX ISN'T REPORTING THIS ACCOUNT AT ALL * XXXX AND XXXX ISN'T REPORTING THE PAYMENT HISTORY AT ALL * XXXX IS MISSING PAYMENT HISTORY
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

Banks can not loan money per book called XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. Exhibit b affadavid all debts are prepaid. 

Exhibit c XXXX  vs bank of montgomery 1969. This case was about lawyer named XXXX saying he refuses to pay morgage because bank puts nothing up of value lawfully called consideration. You never told me I have no money to loan me. Sounds like fraud to me. You bill my trust and ask me for payments in federal reserves as well. Trust fraud and securities fraud. You are trying to make me your XXXX. Not happening. You can XXXX  out the XXXX XXXXXXXX XXXX XXXX and rooms to go card based on fraud so note null and void. You can open these accounts again and bill my trust only no double billing. If necessary we can supena your ceo to florida and your representative named XXXX XXXX. You are doing securities fraud and trust fraud. If you like u can call XXXX or XXXX. Be careful this is a warning to u my name is copy righted. I am not a XXXX XXXX XXXX laws dictionary uncompetitive XXXX. I am a XXXX  XXXX XXXX. If you do not want to provide me with a remedy  no problem take u to florida court
Consumer complaint received 2024-04-18
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. (MO)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2018-11-29
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Go Capital Holdings, LLC (GA)

We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, Go Financial. Somewhere down the line, a new provider, XXXX, acquired our loan. 

Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript. 

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Me : I don't consent to these kinds of text messages. Our bill is already paid Them :  Your scheduled XXXX payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your XXXX payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 
Me : Please stop Them : Thank you for your recent XXXX payment of {$290.00}. Please visit XXXX for full details. For help : HELP. To opt out : STOP. 
Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your scheduled XXXX payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your XXXX payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 

As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention.
Consumer complaint received 2024-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kopp Collection Service, Inc. (NY)

Be advised this is not my debt, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC. (IA)

I have a Health Savings Account ( HSA ) through Optum Bank. I have a debit card, which is set up to pay recurring bills such as subscriptions ; I also use the debit card to pay periodic doctor appointments and services. In late XXXX XXXX, the card started being denied. At that time I had almost {$4000.00} in my HSA account, so available funds is not the problem. 

I contacted Optum Bank in early XXXX ( did not record date ) and was told my card had erroneously been cancelled due to a " system conversion '' and the customer service representative would order me a new card. I have contacted Optum Bank a total of FIVE times since XXXX ( including original call ) requesting a new debit card, and I have never received one. The last contact was the week before XXXX XXXX. At that time, the customer service rep. told me she could see that a card had been requested four times but never completed because they " needed to add me to the card system to generate the card '' and the supervisor would do so as soon as we got off the phone. Unfortunately, it is now XX/XX/XXXX and I still do not have a debit card to access my funds. 

At the time of my fifth call, I also requested to submit a formal complaint. The representative took my complaint information, but I have not received confirmation of the submitted complaint or heard back on the resolution of the complaint itself. 

Thankfully, I am able to pay my medical bills out of pocket and request reimbursement through the Optum Bank app. However, this is an inconvenience. And unfortunately, not all consumers are able to do this. It concerns me that Optum bank canceled my card due to no fault of my own ( " system conversion '' as I have repeatedly been told ), and it has been more than three months since I first notified of them the problem. Five repeated calls have not resolved the issue.
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit has been reporting a debt collection account for XXXX XXXX  since XXXX  ; however, my XXXX account remains open and in good standing. Whenever I dispute the account, Midland Credit " verifies '' it but it will not send me proof of the debt, or the full account number.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

When I signed up for a Macy 's credit card through XXXX XXXX, they put in the wrong address. It was highly challenging to contact them over the phone and took four attempts to get somewhere. I finally spoke to someone who said she would excuse the late fees and interest because I could not pay the card since it went to the wrong address. I paid the entire card off and closed the account. However, I received a notice that I owe {$140.00} and I can not get ahold of them again. So I felt it would be best to report it. I made it very clear that I could not pay it and I had trouble getting ahold of them and they agreed to waive all related expenses. This is shameful and unethical on XXXX XXXX to lie to me.
Consumer complaint received 2023-12-06
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: Experian Information Solutions Inc. (TX)

My mother works for the Federal Government and she noticed a lot of inquiries so we pulled my report and I have 19 inquiries that I didn't authorize. She received a letter at the beginning of the year saying that our data had been breached. She has insurance on me and my sister, so our information was also part of that breech. I have not authorized anyone to run my credit. 

XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (KS)

I attempted to contact Chime to find status of debt card. It has been 3 weeks with no debit card. Unknown party withdrew {$1800.00} from my account. Unknown party represented themself as Chime. Their website shown as Chime ( I have print screen of their site ) and the following sight which has changed since funds was taken. 
XXXX XXXX XXXX XXXXXXXX. 
Their phone # was XXXX. I Was told they were doing a test on my account. Called back numerous time with no resolution. 

I immediately filed a dispute within 8 minutes of funds being taken. 

Requesting refund of {$1800.00} that was stolen and party to stopped from doing this with other parties.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.