davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I did not give I C System Permissible purpose pursuant to 15 USC 1681c ( b ). I the consumer XXXX XXXX XXXX is the consumer pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. By furnishing this false information you have violated my consumer right pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 USC 1692c ( a ) you not allowed to contact me the consumer unless permission from the courts. Pursuant to 15 USC 1692c ( c ) cease and desist all communication through all mediums. Pursuant to 15 USC 1692d. Pursuant to 15 USC 1692e ( 2 ) ( A ) the false representation of the character amount of any debt. Pursuant to 15 usc 1692f ( 1 ) the collection of any amount of debt unless such amount is expressly authorized by the agreement creating the debt. I am not obligated to pay any debt pursuant to 18 USC 8. Also in violation of 15 USC 1692e ( 11 ) and 1692e ( 10 ). I C System has reported 3 alleged accounts on my consumer report without my permission. Even if I didn't answer to there notice. pursuant to 16 usc 1692g ( c ) failure of a consumer to dispute the validity of a debt may not be constructed by any court as an admission of liability by the consumer. So if you have to have a judge to give you permissible purpose to furnish my consumer report why are you reporting this alleged debt on my consumer report Pursuant to 15 USC 1692j. This is called breaking the law. Pursuant to 15 USC 1692k I C SYSTEM is civil liable for damages for each violation up to {$1000.00} each.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One refuses to authenticate me to handle matters pertaining to my account. 

Generally, my only available method to contact Capital One is using a mobile telephone. I do not use smart phone " apps ''. When I call Capital One, they refuse to speak to me without sending a text message to my mobile phone. However, I can not receive text messages while I am on the line with the representative. Capital One only offers to send a two-factor authentication code by SMS " text message '' and not e-mail. Therefore, I have no way to authenticate in real-time when I'm on the line with the Capital One representative. 

On multiple occasions, I've been transferred to another department to " authenticate me ''. When I am connected to this department, Capital One representatives ask many detailed questions about me, which I answer, and then they tell me that they need me to take photos of a government issued photo ID. I take the pictures, and they email me a link to upload those pictures, but the link does not allow me to upload the pictures from my web browser. It requires me to use a smartphone app. As I said, I do not use smart phone apps. 

Please tell me how you allow a company to operate when they refuse to talk to their customers. In the agreement I signed, it was not made clear that I would need to use a smart phone app to send photos of my government ID every time I would try to make a call to communicate with the company. 

My most recent call was XX/XX/XXXX and lasted 36 minutes. After 36 minutes, the agent stopped responding to my questions on how to send the photos of my government ID. The purpose of my call was to have Capital One change the delivery address for the debit card for an account I had just opened. From the web site, I could see that they are planning to send the card to the wrong address. You would think this is something they would want to resolve. 

Furthermore, I often attempt to access the Capital One web site from my office, located in an office building where I do not have cell phone reception. The requirement to receive a two-factor authentication code by only by text message and by no other means is simply unacceptable, because I can not access my account at work.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

On XX/XX/2022 a company named Fair Collections & Outsourcing claimed I owe them {$15000.00} and it was added to all 3 of my major credit reports. XXXX, XXXX, & XXXX. They claim is it debt from past due rent. This is false. Ive never been late or delinquent with rent in my life. I filed a dispute with the 3 bureaus listed above and they did not remove this fraud. Please help
Consumer complaint received 2023-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cass & Associates (TN)

Someone stolen my identity and opened up some type of credit in my name on XX/XX/2023 for XXXX $ now my credit score dropped XXXX point because of it company name is cass & associates. I disputed the collection XX/XX/2023.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CO)

In XXXX I found that PNC bank had allowed numerous transactions to occur using an expired debit card. I disputed a number of the transactions, and they initially provided me with a provisional credit. Roughly a month later most of these credits were reversed with no explanation. After several months and calls later I finally got on a call with someone who explained the situation. I pointed out that once a debit/ credit card expires all reoccurring payments must be updated by the customer. The representative told me that PNC bank does not have to follow any federal laws and that as a customer I am bound to their rules, and federal law can not protect me.
Consumer complaint received 2021-10-20
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. (TX)

I disputed several items with TransUnion by certified mail 60+ days ago and did not get a response. I am therefore disputing the following items through here, if this is not resolved with TransUnion, I will file claims in small claims court for each item I am disputing as they are a result of identity theft : Credit Items being disputed : XXXX XXXX ( all 3 accounts ), XXXX XXXX, XXXX XXXX, XXXX XXXX. 

I am also disputing the following inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize any of these companies to run my credit and they are a result of identity thef.t
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address the presence of fraudulent accounts on my credit report, confirmed through an identity theft report. I have spoken with the associated banks, and they have acknowledged the validity of the identity theft report. Over the phone, they assured me of the immediate removal of the fraudulent accounts. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
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)

XXXX XXXX XXXX  XXXX XXXX XXXX license number XXXX Car was paid off in XXXX. Never received title. 
Called Hyundai finance XXXX  times. They said they see it but can't physically find it. 
Confusing as there is a Hyundai finance at XXXX address in CA. And a Hyundai capital also in CA. But the number I called XXXX XXXX XXXX is the number I called XXXX times. Talked to a person each time who swore they would send it to me. Last person I talked to was named XXXX.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

I leased a vehicle through ally in XX/XX/XXXX, and in XX/XX/XXXX I sold the vehicle as a dealer buyout. Fast forward to earlier this year ( XXXX ) I was made aware that there was a balance on the account that I was not unaware of. I decided to do a payment plan for the balance, upon completing the payment plan on XXXX XXXX, they reported my account as late, delinquent and settled, which dropped my credit score more than 100 points. I feel like this was unethical and I was not made aware that this was being report to the credit bureaus, and figured this was just a in house matter. I have had my credit history for then 15 years and I have never in life had a late or Miss payment, this 100+ point deduction on my credit report has been detrimental to me and my future
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Citi Bank sent me a letter announcing their closure of my XXXX XXXX XXXX account. 

I asked why. Citi said " excessive wires. '' I responded, I have NEVER sent a wire from the account. 

They agreed but said that nevertheless there was nothing they could do about this. 

It seems like Citi is discriminating against XXXX XXXX XXXX 

Horrific.
Consumer complaint received 2022-12-12
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: CREDIT ACCEPTANCE CORPORATION (VA)

My information might have been impacted by the XXXX data breach and may have got into the wrong hands. I have applied for a car back in XXXX of 2022 through XXXX XXXX " only '' and now I have multiple hard inquiries on my XXXX, XXXX and XXXX credit report
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

XXXX the date of XX/XX/2022 I sent the CEO of Discover an email stating my complaints about being denied and was sent back a packet showing everytime that applied for credit and was denied showed so many diff reasons why I couldnt extend credit to them. I know my rights so in my letter I stated which laws they broke then also sent them a letter on XX/XX/2022 stating about what adverse actions that were takin violating my rightXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ignored when I sent this letter but when I sent that letter on XX/XX/2022 about punitive they sent me back a packet stating they have no violated any laws under there policy and there policy does not supersede federal law
Consumer complaint received 2021-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There was a fraud on my account notified all parties that i have done no inquiries at all and to remove these fraudulent claims from my report, after the reports were sent in they still have not removed these inquires
Consumer complaint received 2021-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2021 I sent a letter to Transunion through USPS certified mail, Tracking Number : XXXX which was confirmed received XX/XX/2021 at XXXX XXXX  requesting items to be investigated with results sent to me in 30 days regarding erroneous information on my credit report. No response or resolution was granted.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

On the date of XXXX XXXX I was sent a letter from SouthWest Credit Systems L.P. Stating I owed a debt of {$1500.00} represented by XXXX XXXX trying to collect a debt that was not owed at all. XXXX XXXX XXXX Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

So me knowing this I sent XXXX a letter stating this so Im guessing they XXXX my amount then sold it to southwest credit systems L.P . Which is not accredited to even collect in the state of pa. I will submit the info that shows theyre not a credited also.
Consumer complaint received 2023-03-31
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2021 I initiated a XXXX transaction from Bank of America 's mobile app to XXXX XXXX, XXXX confirmation # XXXX for {$580.00}. Within seconds of initiating, while the transaction still said processing, I realized this was a scam. I immediately called Bank of America and couldn't get anyone to assist. I then drove to my local XXXX, GA branch and the branch manager advised to file a police report, which I did and submitted to BoA, and the branch manager called customer service on my behalf. We were jointly told that someone would look into it and get back to me. No one from Bank of America ever responded despite multiple outreach attempts. 

I continue to see articles and postings of other Bank of America customers impacted by XXXX scams, and Bank of America has returned their funds ( example : XXXX news XX/XX/XXXX customer XXXX XXXX, XX/XX/XXXX customer XXXX XXXX ). 

I can not understand what makes these customers situation more important than mine and why their funds were recovered but mine were not.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld systems started calling me a few months ago. They never sent me any break down for the bill, so i asked them to cease and desist and not to contact me anymore. They continued to call me, and i ignored it at first. They were calling me incessantly. They have been calling recently for the last two weeks, and then they called me again last night. i told them they are in direct violation of my rights as i have already requested that they cease and desist. The guy mumbled into the phone, and then hung up on me. It made me super uncomfortable getting a weird call like that when im at home alone at night. Especially because this company is trying to use fake local numbers to get people to answer. This morning, they used the SAME spoofed local number to contact me AGAIN, right after i had just told them last night to cease and desist! I told the woman that last night i had requested again that they cease and desist, and i informed her that not only are they contacting me after i told them to cease and desist, but that they also contacted me at night which is SO inappropriate. I also informed her that this is now multiple times of me telling them to cease and desist. She tried to interrupt me while i was telling her how many times ive asked to cease and desist, but i repeated myself three more times, so that she heard very clearly that i was asking them to cease and desist. She hung up after that. I dont know whats going on with debt collectors these days, but the amount of rights that they violate because they are hiring untrained people who dont know basic FDCPA rules, are resulting in them violating my very basic rights.
Consumer complaint received 2023-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (ND)

This is something else entirely. I had an insurance policy. This carried over when the mortgage transferred to a new company. It DID NOT with Mr. Cooper. They have not paid the insurance and it has now been cancelled. I have received notice from Mr. Cooper that they will seek their own insurance policy which could mean a higher payment.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-18
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: Experian Information Solutions Inc. (NY)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2023-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I will be a visiting fellow from XXXX at XXXX XXXX  this fall. I visited XXXX last spring and opened a checking and a savings account with Bank of America last spring. I transferred over XXXX dollars to these accounts in May. On XX/XX/XXXX Bank of America sent me a letter closing my accounts with no reason given. There has been no banking incident since the opening of my accounts. I contacted the bank. The person on the phone could only tell me it was a corporate decision and would not give me any reason for their decision