davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (CA)

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 Account Name : XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX and 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 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX and XXXX XXXX  both violated consumers fundamental rights I have paid everything on time over many years. 

My Three credit bureaus report show that XXXX  and XXXX XXXX did not remove incorrect information. 


XXXX XXXX XXXX and XXXX XXXX XXXX  are getting so many complaints from XXXX XXXX XXXX and consumer finance government. 

I try to purchase a home for my XXXX kids through FHA loan, USDA loan or VA loan but XXXX XXXX XXXX and XXXX XXXX XXXX  made incorrect information without my consent in credit bureau file, they should remove them under fair credit act and federal instructions.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I called Capital One and discussed the situation with XXXX XXXX not opening on time and a Capital One representative and they said to cancel my trip and they credited my card for {$5300.00}. Subsequently, they recharged my card 4 times during the dispute process. On XX/XX/XXXX my card was rebilled for {$5300.00}. I never would have canceled my trip had Capital One not assured me that I would receive a full refund. 

Capital One has lied to me. I will personally pay a visit to XXXX XXXX and get this settled one way or another.
Consumer complaint received 2021-04-22
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: AES/PHEAA (NJ)

ON XX/XX/2019 FEDLOAN SERVICE # XXXX ADD A DEROGATORY MARK IN MY CREDIT REPORT AT XXXX UPON FURTHER RESEARCH THIS ACCOUNTWAS TRANSFERRED/HOLD AND I AM NOT LONGER RESPONSIBLE FOR THE ACCOUNT, DEBITORS CREDIT DID NOT VERIFY THIS COLLECTION. ALSO THERE'S WAS NOT WRITTEN FORM OF COMMUNICATION CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA FEDLOAN SERVICE HAS VIOLATE MY RIGHTS AS A CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT INMEDIATELY.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (SC)

ONLINE COLLECTIONS reported their account to my credit files on XX/XX/2020. ONLINE COLLECTIONS received a validation notice from me via priority mail and ONLINE COLLECTIONS did not respond with validation that proves their account belongs to me. I also requested a letter from an authorized representative of ONLINE COLLECTIONS and my request was ignored. 

Recently I mailed all documents to each bureau involved. 

ONLINE COLLECTIONS is reporting to XXXX, XXXX, and XXXX  as Collection Department / Agency / Attorney. 

ONLINE COLLECTIONS is a debt collector for XXXX XXXX and ONLINE COLLECTIONS is not an accredited legitimate business and I dont know they received my personal information.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I have a United Airlines Chase credit card. The balance on the credit card was at XXXX percent interest ( after paying an upfront fee ) until, I believe XX/XX/2021. On XX/XX/2021, I was billed the annual membership fee for maintaining the card which was {$95.00}. On XX/XX/2021, I was charged {$0.00} interest and on XXXX XXXX I was charged another {$0.00} in interest. As I not only pay my minimum amount due each month but far in excess of the minimum, I believe Chase should have applied the excess payments toward the {$95.00} membership fee and not charged me any interest in XXXX or XXXX. As I understand the law, any payments received in excess of the minimum payment will be applied first to those charges with the highest interest rate, in this case that was the {$95.00} annual membership fee. Chase refunded my interest of {$0.00} after I called and complained but I do believe that they are not following federal law in applying payments properly.,
Consumer complaint received 2022-01-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC. (GA)

Due to the nature of our relationship, I sent a letter to Exeter Finance ( XXXX XXXX XXXX XXXX, TX ) as well its C.E.O. XXXX XXXX ( Location : XXXX XXXX XXXX XXXX XXXX, XXXX TX ), received on or about XX/XX/2022 ( letter, and proof of mailing attached ) in which I requested the housing location of my original promissory note that I endorsed as a consumer as I have reason to believe it is being traded for proceeds. 
Exeter Finance responded with a copy of my promissory note stating that they believe the debt to be valid. Exeter Finance failed to directly, and reasonably respond to my request as I did not inquire about the validation of the alleged debt. On XX/XX/2022. I called Exeter Finance at XXXX ( Recording of call attached ). In the attached recording the representative stated that he could not tell me and did not know the location of where my original promissory note was housed. This leads me to believe that Exeter Finance is no longer the holder in due course of the original instrument. If this is fact, then I am not legally obligated to pay the alleged debt I allege that I may not be obligated to pay the debt because Exeter Finance has hypothecated, traded, securitized, or monopolized any form of that original promissory note/application. 

Provide me with the exact location of that original instrument. If you can not, then I am alleging that Exeter Finance is no longer a holder in due course and I am now making my claim to the instrument and I revoke and rescind all prior negotiations and demand the title to the automobile, Manufacturer Certificate of Origin, and all proceeds to be returned to me in accordance with U.C.C. 3-306, U.C.C. 3-603b, and 15 U.S.C.1692h. 

If Exeter Finance no longer has the instrument, then I no longer have an obligation to pay the debt. If the location of the original debt instrument can not be provided, then I allege that Exeter Finance is not a holder in due course to even make a claim on the instrument. 

Provide evidence with an affidavit under penalty and perjury in the next XXXX  days otherwise cease and desist all forms of communication on collection. 

I as the consumer was never given full disclosure of all of the facts regarding the use of my promissory note as well as the fitness, performance, and attributes of the account and therefore have the right of rescission pursuant to 15 U.S.C. 1635 as it has caused XXXX  anguish and XXXX instability. 

In accordance to U.C.C. 3-603b, this is my tender of payment of obligation to pay an instrument made to you to discharge the instrument for the full satisfaction of claim there to the exact amount of debt you say that I owe is now set off if you can not prove that I owe it and refund me all prior payments excluding the first payment. 

Also attached is a certified copy of a XXXX. XXXX research report from Georgia 's Secretary of State, further proving that I am not obligated to pay the alleged debt as debt must be recorded with the Secretary of State to be valid.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (FL)

I discovered in my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2021-04-21
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. (FL)

I discovered in my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We booked and fully paid total of {$2100.00} XXXX {$500.00} initial deposit, {$1600.00} final payment ) for a cruise with XXXX XXXX on XX/XX/XXXX. Due to Covid-19, the cruise was subsequently cancelled by XXXX XXXX on XXXX. At that time we elected to reschedule the cruise for XXXX at same rate. 
Since Covid-19 was still ongoing, XXXX XXXX cancelled the XXXX XXXX cruise. The option for refund was acknowledged and we filled out the proper documentation with XXXX XXXX for the refund. The refund confirmation stated that refund will be processed in 30-45 days. After several phone calls and continued request for refund with XXXX XXXX that went unanswered, we filed a dispute with our credit card holder, Bank of America and provided all requested documentation. Credits to the account with Bank of America were issued in the amount of {$500.00} and {$1600.00} on XXXX. No further communication by either XXXX XXXX or Bank of America was received until XXXX, XXXX Bank of America was denying the claim and will be reversing the previous credits issued. The claim was escalated with Bank of America on XXXX ( case # XXXX XXXX with XXXX who agreed to reopen the case but also advised we file with CFPB. Please see all documents attached including receipts, refund acknowledgement and subsequent BOA claim denials.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

ON XX/XX/21. BANK OF AMERICA INFORMED MY COMPANY XXXX XXXX XXXX  THAT THRY HAVE DECIDED TO CLOSE OUR SMALL BUSINESS ACCOUNT. IMMEDIATELY ON XX/XX/21 WE WERE RESTRICTED FROM ANY ACCESS TO ACCOUNT # XXXX. WE COULDN'T WITHDRAW FUNDS, ACCESS FUNDS THROUGH ONLINE BANKING, WIRE FUNDS, STOP PAYMENTS, GO INTO A STOREFRONT AND CASH CHECKS. NOTHING. HOWEVER BANK OF AMERICA ALLOWED ANY CREDITOR TO CONTINUE TO ACCESS THE ACCOUNT THROUGH DAILEY WITHDRAWALS BEYOND ANY CONTRACTUAL AMOUNTS EVEN AFTER STOP PAYMENT REQUESTS WERE MADE. BANK OF AMERICA FAILED TO PROTECT US THEIR CONSUMER AND OUR PROPERTY UNDER THEIR CARE. CAUSING OUR SMALL BUSINESS TO GO FROM 23 EMPLOYEES TO 6. FROM XXXX PER MONTH INDEPOSITS TO XXXX. STOPING US FROM BEING ABLE TO MAKE BASIC DECISIONS AS TO WHO GETS PAID ETC. PUTTING US IN CONSIDERABLE DEBT. FACING LAWSUITS FROM CREDITORS BECAUSE WE COULDN'T ACCESS THE MONIES DEPOSITED. CAUSING US IN FALL INTO BANKRUPTCY.
Consumer complaint received 2021-04-21
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: CREDIT ACCEPTANCE CORPORATION (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... CREDITACPT XXXX that listed on my credit report. Further more, this account can not be XXXX % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Last Friday XX/XX/XXXX We issued a bank wire to Lakeview Loan LLC. We looked online payment History XX/XX/XXXX and saw nothing has changed for a month. So we called XXXX XXXX XXXX to get affirmation that the funds had been wired they said yes. So we called Lakeview Loan, and the representative stated that typically it takes 2 weeks to receive and process. 
So we asked XXXX if he could see on his screen as to whether or not they received it. He said it's not showing up on his screen. Now we're thinking that perhaps we got the wrong address, or Number. 
So XXXX gave us wiring instructions : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. Acct # XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-04-21
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: Resurgent Capital Services L.P. (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXLVNV FUNDING LLC XXXX that listed on my credit report. Further more, this account can not be XXXX % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (NY)

I requested a close out statement in writing it was received by Ally Financial on XX/XX/21 according to the certified post marked receipt from the USPS.The document stated I owed 36 payments of {$260.00} and did not document any other charges. I made the 36 payments but now the agency is saying I owe additional charges that were not on the documents I received from them.
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report. I've also filed previous complaints that were not acknowledged.
Consumer complaint received 2021-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAPITAL ONE XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be XXXX % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : Bank of America is maliciously and intentionally placing false information onto my credit files, with the intent of destroying my credit rating. 

Bank of America has placed a charged off debt balance in the amount of {$770.00} onto my credit files, a debt that they know that I did not run up. 

The fraudulent balance that Bank of America is reporting to the credit bureaus regarding said account, they ran that balance up themselves, with false usury charges, and fees. 

I have had no dealings with Bank of America since around XXXX of XXXX, the status data information that they are showing on my credit files, is all false made up information. 

As previously stated, I have had no dealings with Bank of America since XXXX of XXXX, and by what the copy of my credit file that I have provided to you is showing, the information as how they have it reflecting in the ( Payment history XXXX on my credit file, is all falsified. 

Bank of America is wrongfully slandering my credit, they are falsely listing as though I had dealings with them in XXXX. 

And in the ( Status ) at the top right hand corner of my credit file, you will see that Bank of America is claiming that I had a charged off account with them as of XX/XX/XXXX, and that is a lie. 

Last year there were many phone calls that were made to my cell phone, by a debt collector that did not verify this debt, prior to constantly calling and harassing me. 

I did not know why this person kept calling me, I later found out on my own, who they were after I had complained, and I learned that they were calling for Bank of America, regarding this credit card account.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I requested this XX/XX/XXXX and they are refusing Request to Validate Medical Debt XXXX XXXX Common Wealth Financial XXXX XXXX XXXX  # XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX PA XXXX XX/XX/XXXX XXXX Amount of debt : {$1200.00}. Account Number # XXXX Date of Service : XX/XX/XXXX Email : XXXX Provider of Service : XXXX XXXX XXXX  XXXX Dear collection agent, I received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Plus the information release without mu authorization is from a minor. I hope to hear from you as soon as possible. 

Sincerely, XXXX XXXX