davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (CA)

I have reason to believe an account was opened fraudulently in my name. I am receiving letters from this bank and Ive never opened an account here. Im not sure what to do, this is not the only bank Ive had this issue with. XXXX XXXX, XXXX XXXX, XXXX XXXX, now ally bank.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

RE : Urgent Assistance Needed Regarding Capital One 360 Checking Account Hello, I trust this message finds you well. I am writing to seek urgent assistance regarding my Capital One 360 Checking account. 

In XX/XX/2023, I opened the account while I was not employed, and no funds were deposited during that month. However, I secured employment in XXXX, and on XX/XX/XXXX, my employer, XXXX XXXX XXXX XXXX XXXX, deposited {$3100.00} into my account. Additionally, on XX/XX/XXXX, I received XXXX smaller deposits of {$270.00} each. 

On XX/XX/XXXX and XXXX, I requested funds from my cousin for personal expenses, totaling {$2000.00} and {$1700.00} ( {$1000.00} + {$700.00} ), respectively. He transferred the money via XXXX, but my account was subsequently restricted from accessing these funds. Despite numerous attempts to reach out to customer care, I have not received any information about the account status, and my calls remain unanswered. 

The situation is particularly distressing as I have been waiting for these funds, and there is uncertainty regarding whether the bank will release them. I have informed my cousin, who confirmed that the funds originated from his payroll and provided proof in the form of pay slips. We are willing to provide any necessary documentation, but unfortunately, the bank has not responded to our calls or emails. 

I am reaching out for your assistance in resolving this matter promptly. Your help in facilitating communication with the bank or providing guidance on the necessary steps to recover my funds would be greatly appreciated. 

I am happy to provide any documentation needed to expedite this process and help me get my funds back. 


Thank you for your prompt attention to this issue. I look forward to your assistance in resolving this matter. 

Sincerely,
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-16
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. (GA)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2023-11-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (DC)

I C Systems are a collection agency that is trying to collect a debt for XXXX XXXX XXXX XXXX. Neither are the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX, XXXX and XXXX. Please remove this collection item from all three reporting credit bureaus XXXX, XXXX and XXXX as this is in violation and misuse of my credit report.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (NY)

XXXX - XXXX XXXXInquiry XXXXInquiry I have never had a single late payment on one of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible.
Consumer complaint received 2024-04-30
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: CITIBANK, N.A. (NY)

I have been getting emails ( but not statements ) re : a balance with citi card. I have not used this card in years. In fact, I believed I closed the account years ago, so I assumed these were scam emails. I was not receiving a new card when the old one was expired. I never carried this card in my wallet. When I tried to set up an account to view my balance, it would say that cc # is invalid, which it isn't so I would give up. I first tried to call citi a couple years ago, and they wouldn't tell me what the balance on my card was from. I finally tried to resolve this again and called citi several times back in XXXX, and each time they were unable to get into my account. I was persistent called each day my husband was around ( they say his name was the Main cardholder yet MY mothers maiden name and my social security # was the primary on the acct and wouldn't talk to me unless my husband was present ) The first time I called to resolve this issue was mid XXXX. I have called them at LEAST a dozen times to resolve this, each time no one calls me back. There were monthly checks FROM my XXXX XXXX XXXX account going to Citi to pay a balance that was NOT my balance. So I stopped payment ( it was Autopay ) with my bank. Last time I called citi, I finally got someone who could get into my account, and told me " I '' took out a loan on this card back in XXXX of XXXX. I DID NOT take out a loan! She said she would call back in 3-5 days, and she has not! Today I received a call telling me my card was overdue and threatening to send me to collections!! I told her part of the story, she said they need to cancel my card, that the previous rep should've done that. There is a balance of about {$1600.00} that is NOT my debt, I pay my debts. Please help, I'm getting no where.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose
Consumer complaint received 2023-11-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (NJ)

On XX/XX/2023 I had submitted a complaint with the XXXX true bureau, the cfpb stating that this agency is attempting to collect on a debt that I do not owe with the account # : XXXX. In that complaint, I stated that I want this agency to cease all communications as described in the fair debt collection practices act unless it was for the purpose of responding to a cfpb complaint. Additionally I had mentioned that they have violated my consumer rights and wanted to be compensated for it. On XX/XX/2023 the company responded in which they of course denied that they have broken any consumer laws and that they would " honor '' my cease communications request. I have just caught this agency violating my consumer rights once again and it is here on the cfpb and I demand compensation. The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium ''. Credit reporting is an indirect medium of which this company is using to communicate a debt as they furnished this information on the month afterwards and this month. This not only violates the fair debt collection practices act but it also violates the fair credit reporting act and my right to privacy as a consumer. I am humbly asking the cfpb to handle this situation or else I will be forced to litigate as I take my right to privacy and federal law very seriously.
Consumer complaint received 2023-01-31
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. (SC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, SC 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
Consumer complaint received 2023-11-15
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: SANTANDER HOLDINGS USA, INC. (MD)

I had an account for 75 months with Chrysler Capital in XXXX   when covid started I did it two month deferment which would have been XXXX and XXXX of XXXX   I paid XXXX of XXXX. So XXXX and XXXX was supposed to be deferred the payments would have started back up in XXXX. But I ended up paying XX/XX/. Which should have been applied to XX/XX/XXXX   not XXXX. Since then this company has reported me four times late. And the last two were XXXX of XXXX   and XXXX of XXXX   both payments were made and then the account was paid in full. They reported me 30 then 60 days late and 23 nothing is being done to them I have disputed it with XXXX I have called Chrysler Capital I want this rectified I want a letter of apology. And if it has to I want this reported to the attorney general 's office because they have done this to people before and they're allowing them to get away with it.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank (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 2023-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (IL)

This creditor has reapplied this debt to my XXXX profile on XX/XX/2023 despite it being previously removed from all XXXX bureaus by the previous company. 

It has since been bought by a new company XXXX Spring Oaks Capital LLC, ) in which once acquired took it upon themselves to reapply this item explicitly to my XXXX credit report ; which is most widely used. 

This action on their part has created obstacles for me in obtaining the credit essential for my daily needs in addition to experiencing higher interest rates and has recently caused a significant drop in my credit score, which was their dire intent. 

The resolve I would like to request for is the removal of this item from my credit report ( s ) so that my report can return to its original status before this circumstance and for the restoration of the lost credit score points due to their recent actions. 

Thank you for your time and attention to this matter. 

XXXX XXXX Please see the below item description reporting on XXXX Spring Oaks Capital LLC, XXXX XXXX XXXX XXXX, VA XXXX XXXX Re : Collection/Chargeoff Amount : {$1200.00}
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

Discover Bank illegally and incorrectly reported several payments as late. As per the terms of the XXXX XXXX, their representatives misadvised that I would only be eligible to receive any payment relief/assistance programs/offers if I showed signs of hardship ( Missed Payments ) despite my reaching out to them ahead of being late on any payments to let them know that financial hardship was on the horizon. Under the sanctions of the XXXX XXXX, this is seen as any solution as misconduct, misinformation and unethical behavior.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XXXX XXXX, XXXX, I received my tax refund check after going through various identity verification requests from the IRS. I made XXXX wire payment to my grandmother to repay a loan, withdrew {$500.00} from the ATM and went into my local branch office to get a cashiers check to buy a car before my car that I am renting was due on XX/XX/XXXX. I was told that my transaction request was denied and to call customer service in 24 hours. I called my bank 's customer service as directed and was told my account is under review until further notice, I can not access any funds, there was no comments on my account to explain why my account is under review, and there is no expedite date to process my claim.
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (MA)

I now have {$860.00} of interest accrued showing up on my student loans with MOHELA. There was no accrued interest allowed during the pandemic as it was 0 %. I started back up payments in XXXX and now it shows that amount of interest. I called and was on hold for hours and hours without resolution. I spoke with one person who said its valid interest, but could not explain it to me as they were a trainee and could not get me with an expert. Please help, I dont believe I should have these interest fees. In addition, I was hoping to find out how many months of payments Im away from loan forgiveness thru XXXX, given I have been in repayment since 1999.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

called company they really spoke mean and threating to me, this was filled originally XX/XX/2018 its been 5 years, and they just refreshed this collection to collect again the name on judgement is XXXX XXXX that is not my name.
Consumer complaint received 2023-11-15
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: A-L FINANCIAL CORP (CA)

My name is XXXX XXXX, Originally financing a vehicle threw AL-Financial a few years ago. I ran into financial hardship more than half way threw the loan. 
I ultimately had my vehicle repossessed. 
They sold the vehicle and I had a balance of XXXX left from loan. 
I now see on my credit report they have been doing hard inquiries on my credit every month for years now and will not stop. 
They are stopping my family from purchasing our first home and its frightening please help us. 
-XXXX XXXX Reporting AL-Financial
Consumer complaint received 2023-01-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX CARD. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE
Consumer complaint received 2023-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (OH)

I got a loan from one main financial. When I got the loan they hard sold me all the insurance they had to back up their loan to me. Medical , road side assistance, XXXX and accidental death, and some dining club thing. It drove my payment up to XXXX well I put my car up for collateral. My car has almost XXXX miles on it. At the time I got this loan I was working XXXX jobs. I hit a deer in the end of XXXX .. long story short the insurance payed XXXX almost XXXX to fix my high mileage car. No motor work, just cosmetic. I had called XXXX main to try to drop the extra insurance on my loan and at that point they offered me another loan of XXXX that would have extended my original loan another year. I told them no thanks. I didn't need no more debt. At one point I had went in the office in XXXX and tried to pay my loan way down and they said I couldn't pay it there in the office that I had to go to XXXX. I didn't understand that so I let it go, and didn't pay the money I had at the time towards my loan. Long story short, I asked them to work with me and they said they couldn't drop the insurance. After I hit the deer I lost a job, had financial difficulties, have a nice looking car that isn't dependable, and have over the roof debt on my hands. I was told that they couldn't accept partial payments... I tried to file bankruptcy and got taken on that as well. Paid the all of their fees and all they keep telling me is we need more documents. That place was recovery law offices out of Indiana. I called one main financial today XXXX XXXX before filing this complaint to try yet again to solve this issue, was told the manager would call me back .. and she never did. All I want is to take care of this debt and some fairness.
Consumer complaint received 2023-11-15
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. (CA)

in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose
Consumer complaint received 2023-11-16
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXXm using a 3rd party. I have attached my ID and letters to this complaint for your review