davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HILLTOP HOLDINGS, INC (TX)

Plains Capital bank supplied the refund check after I was overcharged. 

XXXX XXXX is the company I worked with and they issued the check. 

1. This company claims for verify your insurance to get the cost of treatment. 
a. They claim to have done that and patient responsibility would be about XXXX XXXX ( unfortunately, I no longer have all my receipts since I thought this was resolved when I finally received the refund check ) but that was not the case, it was covered at 100 % 2. When I saw the first few claims were covered at 100 %, I inquired as to when my refund would be issued back to the card a. XXXX XXXX XXXX XXXX advised that they have to see how the rest of the claims are processed ( which makes no sense because if you are billing for the same treatment with the same codes ( as you should unless you're doing something shady ) then the benefit remains the same. I was patient and understanding and said fine b. Once I saw the rest of the claims processed, they advised that they would be issuing a check instead of refunding it back on the card, once again I was patient and understand and I said fine. 

3. They finally issued the refund and the check bounced. 
a. They were closed on Saturday and Sunday so I had to wait until Monday. 
b. I called for about an hour and the phone just kept ringing. I reached out to my patient advocate who said he would follow up with them. I had to call him around XXXX for an update which was no update. 
c. Tuesday, same thing. I called will around XXXX and he advised he escalated this since they ( XXXX and XXXX ) were waiting on someone to respond which was not much help and he said he would have an update for me by the end of the day- which he did not. 

4. Since I never got an update on Tuesday XX/XX/21 I decided never mind, I'll pursue legal action. The next day XXXX advised me to try and attempt to deposit the check again, which is fraud! After I pointed that out, he said the money was there at the office with XXXX for me to pick up along with the {$15.00} return check fee. 
a. Got there, XXXX at the front desk advised me not only once but twice that she was not there I have a recording of the second time he said it b. He then went into the back again and claimed she would be with me in 5 or 10 minutes this just seemed like yet another lie or a way to buy more time. Either XXXX lied about her not being there and he could not be trusted any further or he was lying about how soon she would get to me and I really couldn't take anymore shenanigans since at that point I was furious after driving 33 minutes one way, I left. 

5. XXXX XXXX ( my checking account ) has sent me a " substitute check '' but they advised not to cash it since the reason is only " refer to maker '' with no other detail. It could be a closed account, bad check or whatever so it would only cause me to incur more fees and possibly put my account in bad standing.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-25
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. (VA)

The is a public record showing on my XXXX  and Experian credit profile detailing past Bankruptcy- XXXX for XXXX and XXXX. They were both dismissed, nonetheless they show up on my credit report. 

This is unsolicited data and it shouldn't be data-mined and sold to reporting agencies and subsequently end up on my credit report. In the past I have asked these Credit Bureaus to remove these items from my report. I have spoken to the clerk of the court in which I have filed and they ensured me that they don't report this information to credit bureaus and the only way that it could be obtained was through data mining.
Consumer complaint received 2020-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc. (NM)

GM Financial hold payoffs for a few days after receiving them and then finds reason to send back the payoffs to other companies that customers have refinanced with so that they can have more interest income. They are stealing from their customers and it is unethical and they need to be corrected.
Consumer complaint received 2024-04-02
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was suffering from a XXXX XXXX that happened at XXXX XXXX XXXX at XXXX my brother and I opened a business together in a XX/XX/60 partnership. He lied to me had me take out a credit card to pay for the businesses sign and security as well as product. He promised to pay it off using the businesses profits : In the end he stole XXXX all the profits and never allowed me to be payed for XXXX  years of work. He never repaid the debt I occurred. So I turned to my guardian my mom she said she would pay the debt off for him. Then American Express allowed her to cancel paying my debts and that resulted in them closing my accounts and cause my credit to be destroyed. I never gave he access to take that kind of acting. American Express never asked or got my consent for her to do that. Now my credit is beyond repair. And my mom wont help now. I since recovered from the XXXX XXXX  and I have asked her to correct this error for 5 years now she refuses to help and or take responsibility for destroying my credit score being My guardian because I was XXXX XXXX  I really needed her help and she betrayed me. American Expresss is legally responsible for this terrible situation and needs to to responsibility for allowing illegal access to my account.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mcburberod Financial, Inc. d/b/a SeedFi (NC)

I borrowed {$700.00} from SeedFi on what they call a Borrow and Grow Plan. After paying off the {$700.00} I was supposed to convert to a savings plan that I can grow my money and then they transferred it to a company XXXX in XXXX XXXX MO that has a 1.3 rating on XXXX. I ask to get the money they owed me and opt out and they call 6 and sometimes more a day saying they are trying to collect a debt and I don't owe this. They owe me. They charge a ridiculous interest rate to me on a savings account. I don't know what to do. I need help from someone. They email send letters call numerous times a day and will not reimburse me my money. Interest rate is 305 %.
Consumer complaint received 2020-03-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I have an auto loan with Toyota Financial services and in the second week of XX/XX/XXXX I activated autopay. They took the first payment of {$400.00} on the XXXX of that month. The subsequent payment didn't " autopay '' and in XX/XX/XXXX my credit report was marked 30 days late. I faxed a request for removal of this from all 3 of my credit reports. I received a response by mail that didn't address what I had requested, and I was denied the removal. 

I have zero late payment markers on my credit report. I can't say why this happened, whether a glitch in their software or something on my end, but regardless there was no lack of money or intent to pay my loan payment.
Consumer complaint received 2020-03-10
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. (CA)

please remove fraudulent accounts

XXXX XXXX XXXX 
open date XX/XX/XXXX XXXX XXXX XXXX   
XX/XX/XXXX XXXX XXXX XXXX 
XX/XX/XXXX

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  
open date XX/XX/XXXX
Consumer complaint received 2020-03-10
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. (CA)

please remove fraudulent accounts account name : XXXX open date XX/XX/XXXX account name : debt management and collections system open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX account name : XXXX XXXX  open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX
Consumer complaint received 2023-01-17
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. (NJ)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

To recap on a previous complaint : On XX/XX/2023, I lost my job thus my income. I used up my reserves to keep my bills current until I receive a new job yet all of my funds were depleted. I was worried about my two credit cards, XXXX and Capital One. When I spoke with XXXX, they put me on a payment plan that was 11 % of my regular payment which was {$17.00} for 6 months. So, when I contacted Capital One, on XX/XX/2023, I was expecting the same results or even better since they are a larger company. The Capital One representative XXXX, once he heard my situation, asked me how much could I pay until I get a job, ( which I was expecting within a few months maximum ), I stated {$20.00} which was approximately 11 % of my regular payment. I then explained what XXXX did for me, expecting this to be the norm. XXXX then stated I would have to pay {$310.00} for 3 months, which was almost twice my regular monthly payment! Obviously, if I can not pay my regular payment, I can not pay almost twice that! I reiterated the seriousness of my situation, aka, having no money for food and in response, XXXX disconnected our conversation. I went ahead and posted {$20.00} payments on the payment due date. What I find comical, is that I still receive emails stating Capital One can help with my payments which I find ironic because when I did ask for help, and let it be known, since having this Capital One credit card, this is the FIRST TIME I asked for help, they spat in my face! 
Since XXXX of 2023, I have been paying {$20.00}. During this time Capital One sends me emails to help yet their payment plan is obscene with a {$300.00} to {$400.00} plan! Obviously, if I can not pay the regular payment of {$180.00}, I can not pay twice as much! Currently I went to pay my monthly {$20.00} and Capital One not only closed my account but discharged it! Capital One refused to assist me during my trying time when I have been struggling with unemployment due to XXXX Long. Capital One ILLEGALLY refused to send me a notice nor warning about closing my account and charge off. I was a card member for over 14 years and only until recently I am struggling so they decide to go to the extreme and instead of assisting me they screwed me over. I guess this is how they treat dedicated members. Interesting how my other newer accounts were willing to assist yet Capital One wasnt. Totally disgusting!
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE ( BREACH OF PRIVACY ) ACCOUNT XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information CAPITAL ONE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy CAPITAL ONE did not clearly and conspicuously provide the disclosure forms.
Consumer complaint received 2023-12-28
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. (TX)

XXXX XXXX No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). 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. ( FCRA, 15 U.S.C. 1681 ) .Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C . 1681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
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: EQUIFAX, INC. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Owed : {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXXXXXX Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was told my account was closed on XX/XX/XXXX and the remaining funds were sent to my address on file on XX/XX/XXXX so far to this time the check has not been received. I have called numerous times and have been met with horrible customer service and no help at all they told me I had to wait 121 days before they could re-issue me a new cashiers check. However if they wouldve mailed it on XXXX XXXX, I wouldve received it in my home office by now Im please help me get the funds that are due to me. Thank you.
Consumer complaint received 2023-02-06
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2020-03-10
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. (NJ)

1.0N XXXX I REQUESTED THE METHOD USED BY TRANS UNION , XXXX  , AND XXXX ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM XXXX  AND XXXX, TRANS UNION NEVER RESPONDED. XXXX AND XXXX  THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO TRANS UNION , XXXX   AND XXXX EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED
Consumer complaint received 2023-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I have sent numerous certified letter explaining to Equifax that the debt is not mine. Every time they have sided with the creditor. Equifax always states to me they have " verified '' this debt is valid. But per the fair crediting and reporting act I have repeatedly requested documentation bearing my signature and any other paperwork they have to affirm this debt as valid. To no avail because Equifax has not sent me anything. They never respond to my written request. I call them on the phone and a representative does not give me any information either. This debt is invalid and needs to be removed from all three bureaus, specifically Equifax.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery acquired two debts ; one from XXXX XXXX and another from XXXX XXXX XXXX. Portfolio Recovery admitted to me that the origination of the debt was XXXX. However, they acquired the debt and they were threatening me that they will continue to report it because they purchased the debt. They were trying to force me to submit a dispute with them on the phone so that they had additional means in which to report and collect on debt that should not be reported.
Consumer complaint received 2023-02-06
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. (TX)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.