davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. I received an Offer from CAPITAL ONE regarding a UNSECURED Account in place of the SECURED Account number XXXX. Hereinafter XXXX. 

2. CAPITAL ONE opened UNSECURED Account number XXXX ( XXXX ) leaving me with two ( 2 ) Accounts opened, before closing XXXX and scheduled the return my deposit earlier than expected. 

3. The one ( 1 ) year mark for XXXX required CAPITAL ONE to release my deposit of {$200.00} was to occur in XXXX or XX/XX/2021, in any event. I did not ask or requested two ( 2 ) accounts to be opened with CAPITAL ONE.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter on XX/XX/2022 to remove : ( ), which is 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 this account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-07-21
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnstown Credit Bureau, Inc. (PA)

I was enrolled at XXXX XXXX. I was awarded {$6100.00} in pell towards my tuition of the 1 quarter totaling {$5300.00}. My first distribution of the grant was applied XX/XX/XXXX totaling {$3000.00}. I started XXXX schooling XX/XX/XXXX leaving myself and other students to pay for books, XXXX, XXXX, XXXX XXXX XXXX, and vaccine boosters out of pocket. My grades suffered from constant financial worries. I met with my instructors requesting tutoring. I also requested to have academic accommodations and met with the XXXX administrator/coordinator who refused to provide appropriate accommodations recommend by my XXXX  even after receiving written documentation of proof of learning XXXX and XXXX. XX/XX/XXXX I met with the XXXX admin again regarding my grads. She stated I needed to make a choice between working as XXXX XXXX and attending XXXX school. At this point the school had received my financial aid, but still did not apply the pell grant to my account. This class is consider an " adult learner program ''. I stated I can not quit my job, I already had to cut back on my hours to attend XXXX school full time. I'm only available to work Saturdays, and Sundays. I'm also a XXXX  mother with a mortgage, car payment and trying to pay for XXXX school out of pocket. The admin said there was no possible way for me to get my grades up and asked I turn in my student badge forcing me to withdraw. Asking an adult student to resign from their job is not only extremely troubling, it's incredibly irresponsible. I'm requesting there more transparency for future students/XXXX. We are in a XXXX shortage in the state of PA. Impractical XXXX programs offered in this state is ONE of the many reasons why. On XX/XX/XXXX I received a letter from XXXX  fiscal operations stating I had 30 days to pay my balance of XXXX in full to the school. They applied {$3100.00} of pell to my balance of XXXX, even through I received {$6100.00} in pell. At this point in time the pandemic was in full swing, I had lost half my salary to budget cuts leading to the removal my administrative position. I was placed back in the field as a XXXX assistant working as crisis response to the pandemic. The balance owed to XXXX was sent to XXXX  Johnstown Credit Bureau. I received a notice stating I owed them {$3200.00} ; a {$1000.00} increase than what was said was owed to the school. I attempted to dispute and settle the school refused a lessor amount. I offered to pay the original amount of XXXX in full. The bureau took my request to the school board they again refused my offer. Today I paid the total amount of {$3200.00} plus a {$25.00} processing fee. They said if I paid another {$50.00} fee to have this debt removed from credit completely. I asked if they could have the fees waived because I was paying in full. The credit bureau refused. Any guidance regarding this matter is greatly appreciated.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was on vacation across county with my husband. I kept getting calls about paying money to a credit card company. I thought it was a scam because they could not give me further information. I refused to pay it. I always pay all my bills. You can clearly look and see that in my credit report. I thought that this account was closed. Apparently the card was used and I did not know that. I think the cost was around $ XXXX {$40.00} but with fees and interest I ended up paying over {$100.00}. I closed the account. The entire time they were calling to collect, I assumed because of their shady attitudes it was a scam. Especially since I was traveling across country at the time. If you look into the account I did not use that card for years. Then, all the sudden it has a balance. I paid it off, closed if, they agreed they wouldnt hit my credit, but still to this day it is effecting my credit. I would have a perfect score otherwise. I thought their was a final understanding. Now I have a mark on my credit that states I did not pay something for 120 days when clearly it was a total misunderstanding. I would like this fixed.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-07-26
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. (FL)

In accordance with the Fair Credit Reporting Act 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 instruction.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-07
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00}, XXXX  XXXX Balance : {$1300.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

I have been receiving 2 calls a day frequently from numbers associated with Midland Credit Management. I went to their website and tried to look up an account with the information the website asked for ( last name, birthday, and last 4 of my social ) but nothing came up. I called today ( XX/XX/XXXX ) to find out what I had in collections with them, but the woman that I spoke to ( didnt get any names of any employees ) wasnt able to find an account in my name either. She gave me the number XXXX to call and check with them, too. I called the number and the man who answered asked for my social, so I gave him the last 4 just like I did when speaking to the woman from before. He said No, I need your full social security number. I responded is there another way you can look it up, cause I dont feel comfortable giving you my full social and he seemed to get an attitude after that, but verified that I didnt have an account with them. I then called their complaint line and explained to the man who answered that I wanted to file a complaint because I had been getting calls about an account that they didnt even have with me, so the man tried to look up my account and told me I didnt have one so there was no reason to file a complaint. I responded that regardless, I wanted to speak to a manager or supervisor because they have been harassing me over debts that I dont have. He said he would transfer me to a manager but I was just left on hold until I hung up 10 minutes later.
Consumer complaint received 2019-09-28
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 have requested several times to transunion delete a remark in my report over my closed account XXXX XXXX. It says the account is a charge off, settled less than full balance. This is incorrect and the dispute I made with them in XXXX of 2018 tells the account was paid in full. Even the dispute confirm what I'm saying and even I have phone to claim this, still the reports is showing this remark. 

- I requested a month ago to check a paytment it was done to the only loan I'm carrying, with XXXX, but Transunion has deleted the account instead show this paytment. I have check with XXXX, the creditor, and they assure they didn't take any action and that they are reporting all the paytments.
Consumer complaint received 2019-07-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (FL)

I have my car loan through Westlake Financial, Any time you are even a minute late on your payment ; even if you call them, explain why youre late, tell them when to expect youll make your account current - even after you ask them to limit the calls .... they call non-stop. Anywhere from 6 to as much as 10 times for the day. Equal calls one behind the other to my home and cell phone. Even to my old job where I have not worked for almost 2 years! Most of the time when I pick up its in the middle of a recording or it rings and hangs up. When I do get a person, its a few moments after asking hello multiple times as if it auto dialed me. This company, has also repossessed my car in the past. I was only 2 weeks late, I spoke with them about it, my monthly payment is {$410.00} but at the time I only owed a remainder of {$120.00}. It cost me {$700.00} plus another fee they put on the back end of my loan, to get my car back. Because we paid quickly, they assured us it would not appear on my credit score and it did. I was tanked by -100 points! Devastating! This company has ruined my life. Subprime loans should be illegal. I have begged to have my monthly amount lowered due to extreme hardship, I have done everything in my power and they have just repossessed my vehicle again. My payoff quote far exceeds what my contract is for ... its an extra {$7000.00} dollars on top of what the car is worth and even then, it wasnt worth what I agreed to. ( {$18000.00} ) The agents are nice until you are behind. Ive had a girl badger me and continue to interrupt me asking why didnt you just pay your car note?! Repeatedly!
Consumer complaint received 2020-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My FTC identity theft report # XXXX. I gained knowledge of my sole XXXX XXXX policy of XX/XX/XXXX OF XXXX VA ONLY ORIGINAL ADDRESS ..being split by unauthorized transactionS at some time without my knowledge and I only obtained thus info in only XX/XX/XXXX. XXXX XXXX refuses to give me copies of those policies created From my sole policy from XX/XX/XXXX and a vehicle history list to justify unauthorized over 100 k claims and payouts after reporting fraud activity in person to XXXX  XXXX XXXX manager XXXX with a injured leg in XX/XX/XXXX. The two checks attached I request bank of America corporation XXXX XXXX XXXX XXXX XXXX nc and BOA XXXX county XXXX georgia and as stated bank of America no address just states XXXX Va no identifying boa location in VA. and ask boas three locations in XXXX county nc to identify the owner and all emails used and all ipaddresses used and addresses and my name spelling used and phone numbers used to create these BANK OF AMERICA CUSTOMER CONNECTION ACCOUNTS thru XXXX XXXX XXXX or a XXXX XXXX location. I am requesting the signature cards of the owner that created and used these customer connection accounts both bank of America BAL BANK OF AMERICA XXXX VA ..NO identifying ADDRESS OF ANY KIND REPORTED ON THE 1 OFFICIALLY issued XXXX XXXX ... ON THESE CHECKS thru bank of America customer connection accounts XXXX VA. MARKINGS FROM CAR AND DUR ... .Explain this to me bank of America. Again there are bank of America type of money transactions ACCOUNTS AND USER ONLINE capabilities of my solely owned monies WITHOUT MY KNOWLEDGE OR PERMISSION. 
ATTENTION BOA ONLY SEND YOUR official response thru the cfpb so I get it and can read it. As I reported to the federal law enforcement of the USPS and to boa and others ..that I never received bank of America 's responses of approx 8 as stated was sent to the CFPB directly to the consumer by bank of America XXXX XXXX XXXX nc until the group of copies of letters I received only XX/XX/XXXX. The unaccounted for letters from BOA had proof and evidence I have been claiming since XX/XX/XXXXto XXXX at XXXX XXXX XXXX XXXX  XXXX va in person every year and more until XX/XX/XXXXto XXXX XXXX  at XXXX XXXX XXXX.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX number XXXX XXXX XXXX  XXXX Account number : XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2021-07-22
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: EQUIFAX, INC. (MI)

I origianally noticed inaccurate information on my credit report after being denied for a home. I contact the credit bureau immediately on XX/XX/XXXX regarding this information. I did not get any reposnse so I followed up with another letter after 30 days. I've read according to law they should complete an investigation and notify me of results within 15 days after my second request. I have yet to hear anything from them regarding this matter. As a result I am making a formal complaint on the company for failing to maintain accurate records and refusing to respond to my disputes.
Consumer complaint received 2021-07-22
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: T.S. Holdings (GA)

I have no knowledge of this debt in the amount of {$1100.00}. I never received a debt validation notice and no one never contact me. 

*** Debt Collectors are required by Fair Debt Collection Practices Act to send consumer a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. 

**Debt collector is violating Fair Debt Collect Practices.
Consumer complaint received 2023-02-10
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: Resurgent Capital Services L.P. (FL)

I sent a letter requesting validation of debt to include a contract signed by me and proof that the debt is in fact mine and that this company is permitted by law to collect this debt. The only items sent to me by this creditor is an account summary report with the original creditor being a company I DO NOT recognize.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

I recently made two purchases on XXXX XXXX with Chase visa credit card. These were on XXXX for {$650.00} and XXXX for XXXX. Over the last at least three years, I have made numerous, most likely hundreds of, XXXX XXXX purchases with my chase credit card without any issues or added fees. However, these two transactions are now being considered as cash advances. These purchases were for goods and services. I received no cash. Chase is now imposing what I assume will be hundreds of dollars in fees and interest because these are now considered cash advances. Throughout all of my other XXXX XXXX purchases I have never had to pay chase any fees or interest. In fact I made a XXXX XXXX purchase on XXXX and it was not considered a cash advance and no fees and interest. I know not to make a cash advance due to the fees and interest. I pay my card at the end of the month to avoid interest. I was not notified these purchases would be considered cash advances prior to their posting on my account. From my knowledge nothing changed between XXXX and XXXX. This was not my first time, if it was I could accept my mess up and take my punishment, but three years of history and notice makes this an entirely different situation.
Consumer complaint received 2021-03-09
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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (NY)

XX/XX/XXXX XXXX XXXX Inquired on XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-03-05
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. (KY)

I reviewed again my credit reports and I can still see the inaccurate information that needs reporting and correction through your company. It's been affecting my life. Please I need this fix as soon as possible. Thank you
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AK)

I tried several ways over several days and after numerous phone calls to access my account with Equifax to unfreeze my account in order to apply for a loan. I was eventually able to do so and asked to have my account fixed so that I could access it myself online. I was assured by more than one person that the account was now accessible and I would be able to freeze/unfreeze as I needed to. Unfortunately, they are wrong and I can not access it without calling and going through an intrusive interrogation each and every time. Right now, I can not get my account frozen to protect my credit. Equifax is extremely frustrating. Further, one of the ways I was asked to identify myself was to use a link they sent on my phone to photo both sides of my driver 's license and take a selfie to send them, which I find truly outrageous - particularly when it is clear my call is being handled by a call center out of the USA. It seems the company has learned nothing from their massive data breach situation. I've seen online that this is a fairly common complaint from others. This needs investigation and resolution.
Consumer complaint received 2021-04-14
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 requested information from a company that is reporting on my credit file a XXXX XXXX and have not received any information from them. I sent a request for validation of debt and they have not sent me anything. If XXXX XXXX doesn't respond to the consumer about a debt they indicate to be mine then how are the bureaus getting their information?