davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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. (FL)

On approximately XX/XX/2017 my vehicle was repossessed and I was refused a payment reinstatement and a payoff amount. The creditor did not give me the date, location, or sale price at auction, regardless of my calls. 
My complaint is they failed to give me proper notice by rule of law.
Consumer complaint received 2018-11-07
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. (MS)

XXXX XXXX continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and XXXX XXXX   responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. XXXX XXXX has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX : Credit Card Fraud To Whom It May Concern : I am writing this letter to file a complaint against Capital One. On XX/XX/2018, two fraudulent charges were placed on my account in the amounts of {$2900.00} and {$32.00} from a company called XXXX. I did not authorize any such charges, thus subsequently contacted the company to dispute both transactions. I sent them a copy of my drivers license to show proof of my signature as well a copy of the police report I filed, however they refuse to issue a credit. 

Enclosed you will find copies of relevant documents, including letters from Capital One, my letter of complaint to Capital One, and the police report I filed. I respectfully request that you intervene on my behalf since this company is violating their {$0.00} fraud liability promise and will not refund me my money. 

If you have any questions about my complaint, you may contact me at ( XXXX ) XXXX or via email at XXXX. If we can not resolve this issue, my final option will be to pursue legal action. 

Sincerely, XXXX XXXX XXXX cc : Attorney General Better Business Bureau XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (CT)

My last attempt was made XX/XX/2023 PDM was sent a cease and desist notice in the regards of this debt. I have made many attempts to show PDM I do not owe any alleged on many different occasions. They continue to submit documents which doesnt show I owe any debt I allegedly. I have sent this company proof payments and have also uploaded them into this system as well. They can not fully verify this alleged debt. Submitting amounts isnt verification of any debt or a statement that states I owe any debt isnt a form of verification or verifying I owe any debt. Which is required for any debt collector to verify all alleged debts. Lastly, PDM isnt even licensed to act as a debt XXXX in my state. This will be my last attempt or I have to seek legal action on this debt collector.
Consumer complaint received 2023-12-29
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. (MD)

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 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.

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 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Applied and approved for ppp loan. I do contract work under my social security number. I do also have a small business- but it was left unrelated to the ppp as it is not responsible for paying back the funds approved for my self contract work. Money was deposited to my capital one account as {$20000.00} on XX/XX/2021. I withdrew XXXX on XX/XX/2021 to cover bills that had fallen behind as I should have done. I used my debit card for purchases and withdrew {$100.00} on XX/XX/XXXX as well as {$40.00}. On XX/XX/XXXX, I attempted to withdraw the other XXXX and place in my savings account. However, upon withdrawing the funds instead I was told my account was frozen and I needed to email my tax ein number the start date of my business and a business document TO XXXX. I called the capital one customer service number to find out what was going on. I was told there was nothing anyone could tell me except to send in my tax ID information as if they dont understand I obtained the ppp loan with my social security number. To satisfy all 3 I simply sent my EIN  from the IRS directly to the email and brought copies into the local branch on XX/XX/2021. I am completely confused and dismayed that they need information from my business that is unrelated to the ppp to investigate my account because I was granted ppp loan!! The loan was applied for with my social security number- and my contract work! It is unrelated to my business as my business is too small to qualify for ppp loan, making only a few thousand a year! Today, I receive an email saying that I need to call because of a fraud alert. So I did and the lady tells me they are going to closet account and not release any funds that were in the account! My paycheck goes in there, I deposit payments from my contract work into the account, I have so much more in that account than just the PPP loan! And to add insult to injury Ill be the one responsible to pay the SBA back funds that capitol one has stolen from me! Especially during a pandemic it is immoral to keep Americans hard earned money or any relief the government sees fit to provide! I have no debts with this account and it has been in use for over 19 years!! This is absolutely rediculous!
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX, XXXX, and Equifax have 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 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 or 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 data is inaccurate.
Consumer complaint received 2023-01-17
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. (MD)

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2021-03-16
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 (NY)

My friend XXXX XXXX is an authorized user on my XXXXapital One credit card account. On XX/XX/2021, XXXX XXXX daughter XXXX stole the card out of her wallet and at two different XXXX stores in XXXX, TX, charged 11 gift cards at {$500.00} each, for a total of {$5500.00}. 

I received NO alert either by text or email. This is despite the fact that : ( a ) Usually, an alert is sent for many simpler, lower and quite harmless charges ( b ) This activity is completely anomalous for our account XXXX : On XX/XX/XXXX, the daughter stole the replacement card, went back to XXXX, and charged {$200.00}, then tried to charge {$800.00}, but the charge was declined, and a notice sent to me by text and email. This is what should have happened in XXXX, but did not. 

After many hours speaking with Capital One 's Fraud Department, their answer comes down to : ( a ) Since it was a family member of an authorized user, the charges stay ( b ) The daughter can sign a form taking responsibility for the charges Answer ( b ) is a joke, of course - the daughter is completely unable to ever pay {$5500.00} in charges ; she is a disturbed person ( obviously ) ; moreover her mother is not anxious to press charges with the police, which is understandable. 

What the Bank has refused to do is recognize that it has ANY responsibility for the failure of its algorithm to pick up 11 charges in a row of {$500.00} each as in any way " irregular '' and perhaps subject to question - even tho on the other occasion I mentioned it immediately DID block the second attempted transaction and inform me. 

XXXX Supervisors have been entirely unhelpful. Any normal person can see that XXXX charges in quick succession of {$500.00} each on an account that had never had anything even vaguely close to activity of that nature SHOULD have elicited an immediate reaction by the computer algorithm. 

We should not be obliged to pay {$5500.00} because of the weakness of the computer system. The fact that the charges were transacted by a family member is irrelevant ; the charges themselves should have been declined and questioned after the first or second XXXX, no matter who had been holding the card. 

The XXXX XXXX XXXX Department is not helping me, despite the people as individuals being polite. We need to have the Bank remove all or most of these charges. I can not afford to carry the financial security of XXXX XXXX Bank, XXXX on my shoulders. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX - good also for texting.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

i recieved my credit reports, and there was 3 accounts listed, as derogative, with no creditor information listed, who do i owe, who do i dispute this with???? I wrote the credit bureau, EQUIFAX, XXXX, XXXX, and asked them to delete this information, and they refused, it's still showing on my credit reports. I am appalled, how these credit agency XXXX the american, public. Put something negative information, on my report, without ANY documentaion, as to who is behind this. How do i dispute this, or sue them, and i don't know who the XXXX they are. Dead entitys, XXXX  real live flesh and blood, human beings? How does this government allow, this to happen, can anyone please help me??
Consumer complaint received 2020-03-12
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. (GA)

This unverified account of sources receivable account number XXXX is reporting inaccurately. On TransUnion is reporting account status as open, on my XXXX  it is reporting as closed and on XXXX  is reporting as closed. also there's a past due balance being reported on XXXX  for {$920.00} but on Transunion and XXXX  there is not a past due balance be reported. I have disputed this account several times and they yet fail to show me proof of verification or remove this account because of inaccuracies and neither company showed me their method of investigation to support their claim that this account was verified
Consumer complaint received 2021-03-16
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: ENCORE CAPITAL GROUP INC. (IN)

I have had a payment plan for three accounts with Midland Credit Management for almost three years and have made very payment on time with direct debits from my checking account. On XXXX XXXX, an unknown party gained access to my routing and checking account numbers and fraudulently withdrew several thousand dollars from my account Because of this, my bank changed my account number. 

I attempted to change my bank account numbers on Midland 's website, however, they do not have a mechanism to do this and only gave a number of a representative to call. I called that representative four times over the course of several weeks and left messages asking to update my information so that my automatic payment could be processed. I also emailed Midland two times requesting the same. I never received a response. I then mailed paper checks to Midland to make the payments, however, due to the communication delays on their part, the payment was later than scheduled. 

Midland has now reported the account as a collection account which they have not done previously in the three years I've been working with them. I simply want them to contact me or provide some sort of mechanism to update my payment method and to remove the collections report from my credit report since they never responded to my attempts to update my information. My payments on the accounts are current ( in fact two of the three I had with them are now paid in full ). Thank you for your assistance.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (ME)

I am happy to provide much more detailed experiences if need be ; but in essence, my complaint is the fact that Sallie Mae charges unrealistic interest rates in effort to obtain financial slavery over its ' borrowers. In addition, they are completely unwilling to assist their borrowers in lowering monthly payments or forgiving interest. 

I graduated college in XXXX. I begun making 'full ' payments to my 2 Sallie Mae loans in XXXX, of over {$640.00} a month, on roughly {$38000.00} borrowed. Until then, I was making the {$50.00} a month good faith payments. 

Fast forward to this month XX/XX/XXXX, I have paid my loans in full, on time, with the exception of 3, 3-month periods of forbearance over time. I now owe Sallie Mae XXXX $ XXXX, while my payments to them over the years have totaled well over {$46000.00}. 

My 'estimated ' payoff date is XXXX which means they intend to profit double what I borrowed ; when I have already paid back what I borrowed and then some. 

I contacted them to attempt to re-negotiate my payments, interest rates, etc and in short *they* have decided I am able to make the monthly payments. Which I suppose is true if they also expect me to be homeless and hungry. There was no offer to truly assist me.
Consumer complaint received 2021-03-16
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: World Omni Financial Corp. (GA)

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Consumer complaint received 2020-03-12
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: CORELOGIC INC (OH)

I have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I wrote and mailed a check to pay a bill. I put it in the outgoing mail slot inside the post office. Someone stole my mailed check from the post office, changed the name of the payee and the amount and cashed it. This resulted in {$5000.00} being stolen from my account. I submitted a police report and completed all the paperwork the bank requested when I alerted them to the problem the day the altered check cleared my account. This was almost 6 months ago and I am still waiting on the bank to resolve this issue. The bank says that it is waiting for the bank that cashed the check to return the altered check to them.