davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (VA)

I sent a letter to Transunion requesting incorrect information from XXXX XXXX company showing as late be removed from my report. I also cited the reasons for this. The late payments are showing on XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. They did not investigate this properly because the payments were not late.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (FL)

Original Creditor : XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX XXXX XXXX XXXX This debt is not mine. 
In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX that the debt is the result of identity theft. 
I Never opened a credit card with XXXXXXXX XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. 
Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft.

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. 
Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX : I have attached to following documents FCRA 615 ( g ) ( 2 ) FTC Notice to Furnishers of Information FTC Identity Theft Report Police Report ( Pending Deputy Signature )
Consumer complaint received 2020-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (AL)

I was financing a 2015 XXXX XXXX through it was totaled out my insurance paid XXXX on it my gap insurance didnt pay the rest due to it being wrote up in the wrong person name it has lowered my credit score tremendously
Consumer complaint received 2023-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (NM)

On XX/XX/XXXX, I was short on money and had received an eviction notice. I was desparate for money and was not approved for rental assistance from my state. 

I took out a loan from River Valley Loans for {$1200.00} at 690 % interest. I have paid {$640.00} toward this loan and the balance has gone down by {$7.00}. 

I take full responsibility for this loan and will pay it off completely when I can make a large enough payment. But these interest rates should not be allowed. This company is a predator and shouldn't be allowed to take advantage of vulnerable people like me.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I opened a Capital One 360 Checking account i n  XX/XX/XXXX  of th is year. I have an online bank that I use but wanted to change to a more reputable company. I did a   XXXX   search to see which banks are offering promotions. I came across Capital One and they had at least 5-6 promotions they were running. I applied for a checking account that included a {$400.00} bonus. The requirements for this bonus were that I needed to make 2 direct deposits of at least {$250.00} or more within 60 days, accept the terms and conditions and be the primary account holder. It also required putting in a code of  XXXX  when completing the account, which I did and it was ACCEPTED BY CAPITAL ONE. After my 2nd deposit I called Capital one to see when I can expect my new account bonus. I was told that since I was not in a targeted area, I would not receive it. I explained to the representative that this was never explained to me and besides the system accepted my code and never said anything about being targeted. I have talked to so many people and even emailed the CEO  XXXX  and the customer satisfaction team with no resolution. They keep blowing me off. I know for a fact that people all over the United States are receiving this new account bonus. I was able to find that out online from a   XXXX   search.
Capital One 360 Checking Account Summary : Apply Now Account Type : 360 FREE Checking Account Maximum Bonus : {$400.00} Availability :    Nationwide (  DOES NOT SAY TARGETED AREAS!! ) Expiration Date :  XXXX / XXXX /2017 Soft/Hard Pull : Soft Pull Credit Card Funding : Unknown Direct Deposit Requirement : Direct Deposit is Required of at least $ 250+
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (FL)

In accordance with the Fair Credit Reporting Act Convergent Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Credit Bureau : XXXX Account Name : XXXX ; Account number : XXXX, 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 an account without my written instructions.
Consumer complaint received 2023-05-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AZ)

In XXXX I purchased a certified used XXXX XXXX XXXX from Kia in XXXX, XXXX  for {$15000.00} under my maiden name. My car was financed through Kia Motors Finance at the time. 

In XXXX I paid the remaining {$12000.00} balance from my joint XXXX account with my husband under my married name through a payment request from our account to Kia Motor Finance. 

At the end of XXXX we got military orders to move to XXXX I then inquired about my title and was told it was sent to a random address of which has never been on my account and was not ever verified before sending the title. 

I then requested multiple times for the title or lien release to be sent to me of which it got denied each time because Kia Finance stated that I was not the one that paid the loan off. However, I explained very clearly the situation and was still denied my lien release. I then reached out to someone from Kia Finance Corporate who was able to assist me in getting my lien release. At this time I also emailed in a copy of the check and proof that I paid off the vehicle. I received the lien release the day the military needed to ship my vehicle. 

Upon being in XXXX, my registration expired. I attempted to get it renewed, however. The XXXX  DMV said I was unable to get the registration renewed with the lien release due to it still being in Kia Motor Finance 's name and because I purchased the vehicle in XXXX Following this encounter, I reached out to Kia Motor Finance customer service again to request a duplicate title to be sent to me. I was told that it would be sent out as soon as possible. I also spoke to the XXXX  DMV who verified that Kia Finance was in fact the one who needed to request the duplicate title. A couple weeks later I called and was told that my request was once again denied to which I was never told was the case. I then spoke to escalations who gave me another email to resend the documents. I sent the documents and was again told the title would be sent and it would be received within 10 business days. Upon checking on the status of the title following the 10 business days, the title had still not been sent out. As of XX/XX/XXXX I was told once again the title request has been submitted but have not received any proof that this is the case. I have also spoken to a military lawyer who has submitted a written request. 

Due to my registration being expired since XXXX, we have had to get a new secondary vehicle because I am unable to legally drive my vehicle or sell it if needed.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (NY)

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (GA)

These accounts was fraudulently made, Im a victim of Identity theft. I would like to have them removed based upon the fair credit act. 

XXXX XXXX Opened XXXX {$410.00} XXXX XXXX XXXX Opened XXXX. {$920.00} Arent medical bills illegal? I thought they werent supposed to report on your credit.
Consumer complaint received 2024-03-17
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. (PA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. It says I have late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. My credit score dropped over XXXX points due to this inaccurate reporting. I am not late on any of my other accounts and always pay on time, before, or extra payments. 

In accordance with the Fair Credit Reporting act Account XXXX 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. 16815-2 ( 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. 

15 U.S.C 1666 B : 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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (MS)

On XX/XX/XXXXXXXX  I spoke with a XXXX  XXXX  at Amerisave ( XXXX ) He told me he could look at my application and job without running a hard credit check. He ran the credit check and later sent me an application to complete to cover self. I received an alert about the check, and it sent my score down by XXXX points. I had a check by another mortgage company already. I called XXXX XXXX texted him and email as off this day XXXX I have received no response. I called on XX/XX/XXXX and the person hung up in my face and afterward I called a couple of times, and they hung up. I have talked two other people who stated they would get back with me but has not.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (SC)

Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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: CLGF Holdco 1, LLC (TX)

In accordance with the federal reporting credit act. This creditor has violated my rights. Under 15usc,1681 section 602 states I have the right to privacy, also 15usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor can not treat payment on a credit card under an open and consumer credit plan as late for any purpose. The creditor milestone has done this to me.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On   XXXX    XXXX ,2017. I made a Atm cash deposit at the   XXXX   XXXX    Atm outside the branch in the   XXXX   XXXX  . I made a cash deposit of {$360.00}. After I made the cash deposit a message across the machine. Telling me that it was experience difficult and can I please enter the amount I put in.I did! The machine told me to call this number  XXXX . After I try to go back and take {$180.00} out the machine after I made the deposit. Then the machine print the number again.Then I try to uses the Atm machine inside the branch then it was telling me the same thing. I called the number immediately. I have been going to the bank and calling everyday. They keep giving me the run around.I spoke to the fraud the department on   XXXX     XXXX  ,2017 they told that the Atm machine was jammed and they would give back me {$67.00} which they did on   XXXX     XXXX ,2017. At first told they only seen the {$300.00} but not {$67.00}. On three time different people had told me to come the branch to pick the money up. They have had my {$300.00} on hold ever since. I was told on   XXXX    XXXX ,2017 that I had to do another claims. Which I did. I also explain to them that I have receipt for the $  XXXX .I call back on  XXXX   XXXX ,2017 They declined my claims an said they have investigate. They also closed my account for this reason but it was n't my fault. They told it was fraud activities. I told understand why if I have a receipt. I also call my attorney.
Consumer complaint received 2024-03-17
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. (FL)

Account # XXXX opened- XXXX XXXX amount- XXXX I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX  are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX system of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA. 

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXXXXXX XXXX failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX OF XXXX - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NC)

I phoned Chase Bank in order to apply for their advertised Chase Sapphire Card which has a number of Bonus Points attached to the use & payment of said card.
I have had this particular card in the past and chose to Cancel it after a while as I did not spend as much money ( in Retirement ) as I once had.
As it turns out, I am building an addition to my home and will be spending a LOT in the next few months, so I want this card. My credit score is certainly high enough as I know it is over  XXXX  pts. and I have very little outstanding debt. So little that I could pay it off at any given time if I chose to do so.
So, one week ago I applied on-line for this card and was told I could not be approved. I BELIEVE this must be because I am older and retired and they do not think I will spend enough money or something. Whatever their reason, I am certain I qualify for the card in accordance with their own criteria.