davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never took out any loan with company or agency that the XXXX XXXX XXXX collects on behalf of. I was attending college at the Univ of XXXX when my GI Bill erred and did not pay for part of my tuition as it was supposed to. Rather than contacting me about the error, the Univ of XXXX  sent the debt straight to collections at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX <P/>I have tried to dispute this debt as being unfair under the FCRA. The XXXX XXXX XXXX  tells me that it doesnt have to comply with the FCRA and FDCPA since it is a state agency. The XXXX XXXX XXXX XXXX XXXX XXXX continues to report this as a collections account to XXXX  and TransUnion. <P/>Had the XXXX XXXX XXXX done the right thing and billed me before sending the debt to collections then I would have paid the debt in full immediately. <P/>I have tried to resolve this issue with XXXX XXXX XXXX on multiple occasion but was not able to. There is a XXXX balance on the account.
Consumer complaint received 2019-06-18
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. (TN)

Please take note that this student loan from XXXX  XXXX  XXXX  was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit report
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

They call repeatedly about an old debt that is not owed. They threaten further action. Yell at me and make derogatory comments. Calling cell phone without permission. They end up hanging up when I try to tell them the debt is no longer valid.
Consumer complaint received 2022-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/2022 I received inquiries letter from XXXX, XXXX, capital one, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXXXXXX Balance Owed : {$290.00}
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 — Information belongs to someone else
Company: Army and Air Force Exchange Service (GA)

the following accounts appear on my credit report, without any authorization, they do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft MILITARYSTAR Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

In XX/XX/2020 hurricane Laura hit our home and damaged quite a bit of the outside. Our insurance company took care of us, but our mortgage company Penny Mac has continuously withheld money our money from the insurance company for over 8 months. We have repeatedly called and sent them every document they asked so they would release our funds we've already spent out of pocket to repair our house. Of the ~ {$8000.00} depreciation check sent to us by the insurance company, Penny Mac refused to release the total amount of what insurance sent us and what they agreed to release, ~ {$2600.00}, has been repeatedly denied due to constantly changing paperwork requirements.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I went to transunion 's website to get my free credit report and to get informaiton on how to start a dispute. 

During the signup process they request credit card number under the guise of verifying your identity and then without proper notification they signed me up for {$24.00} credit monitoring service. I did not receive any notification or had any indication that I was signing up for anything. 

Afterwards, I signed back in and found a link to cancel, however when you click " Yes cancel '' it loges you out of the site and forwards you to the sign in page. 

Transunion is fraudulently signing up consumers who are attempting to start a dispute or view credit report and then making it as difficult as possible to cancel the service. Since their website is rigged to make it impossible to cancel. 
Once the service is cancelled they still hold on to your {$24.00} until you call them to request a refund or dispute the charge with your bank. 
I'm sure a lot of the consumers will give up and let them keep it. 

Please hold Transunion accountable for this fraud and consumer 's unnecessary waste of time.
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (KY)

Signed up for Simple bank account Goals account offer on XX/XX/2019 and deposited {$10000.00} in the account. Was supposed to receive {$150.00} bonus in XXXX but did not. Contacted company and they stated the XXXX promo had a XXXX cutoff. 
There was no time listed in their offer and I opened the account online. My XXXX statement shows the account was created on XX/XX/XXXX as required. They had a new promo that started on XX/XX/XXXX that paid {$250.00} which I didn't get because the account was created on XX/XX/XXXX. 
I feel extremely cheated from this bank. They have had my {$10000.00} in their bank for months now. 

Thank you for your help. 

XXXX XXXX XXXX
Consumer complaint received 2016-12-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (TX)

WE HAVE TRIED TO JOIN SEVERAL MILITARY ADVERTISED BANKS AND CREDIT UNIONS AND THEY HAVE MEMBERSHIP REQUIREMENTS THAT ARE NARROW AND DO NOT PERTAIN TO SIMPLE VETERANS SUCH AS MY HUSBAND WHO FOUGHT IN THE XXXX WAR. THIS IS DISCRIMINATION TO THE VETERANS OF THIS COUNTRY THAT THESE ADVERTISED MILITARY BANKS DO NOT LET VETERANS APPLY FOR A SIMPLE CHECKING ACCOUNT. I NEVER THOUGHT I WOULD SEE THAT THE UNITED STATES DISCRIMINATES AGAINST OUR VETERANS AND IS ALLOWING MILITARY ADVERTISED BANKS AND CREDIT UNIONS DISCRIMINATING AGAINST OUR VETERANS WHEN ADVERTISING THAT VETERANS CAN IT FACT JOIN. I CAN NOT BELIEVE THAT OUR VETS ARE BEING TREATED THIS WAY AND I WOULD APPRECIATE YOU CHECKING INTO ALL THESE INSTITUTIONS AND ASKING THEM WHY THEIR MEMBERSHIPS ARE SO RESTRICTIVE. IF THIS IS OK WITH THE FEDERAL GOVERNMENT WHEN THESE ENTITIES ARE IN FACT FEDERAL MILITARY BANKING SYSTEMS AND THEY ARE DISCRIMINATING AGAINST OUR VETS.
Consumer complaint received 2019-08-04
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. (NV)

I have attempted countless times to correct misinformation on my credit files with XXXX, XXXX  and Transunion. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.
Consumer complaint received 2019-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (NC)

I received a letter in the mail on XX/XX/2019 from Receivable Solutions , Inc. stating that I owe an amount of {$3100.00}. In that letter it stated that the debt is assumed valid by the collector unless I dispute it within 30 days of receiving the letter. On XX/XX/2019, I wrote and sent a validation of debt letter to them. In that letter I asked them provide me with competent evidence that I have any legal obligation to pay them and to provide me with the following : 1. An explanation of what the amount owed is for and how it was incurred.

2. An explanation of how this amount was calculated.

3. Copies of any documents that show I agreed to pay this amount.

4. A verification or copy of any judgment if applicable.

5. An identification of the original creditor.

6. Proof that the Statute of Limitations has not expired on the account.

7. Proof that you are licensed to collect in my state.

8. Provide me your license numbers and Registered Agent documentation. 

I also stated in the letter if their offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I sent the certified letter so I saw when they received it and I never received a response.
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Auto illegally repossessed my My vehicle by way of identity theft giving sensitive non public information to non affiliated third party, XXXX XXXX who is a non affiliated third party is now participating with Capital One Auto to collect a debt initiated by fraudulent activity. XXXX XXXX also gave sensitive non public information about me to a non affiliated third party a tow truck driver without my consent which resulted in illegal possession of my vehicle. Capital One Auto also took action without any order from the Court which is a violation of federal laws. 
Capital One Auto violated the following consumer law : 15 U.S.C 1692 F ( 6 ) Taking or threatening to take any non-judicial action to effect dispossession or disablement of property.

15 U.S.C 6802 ( B ) Opt out A financial institution may not disclose non public personal information to affiliate third party unless- ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of the title, that such third party : ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. 
( C ) The consumer is given an explanation of how the consumer can exercise that non-disclosure option.

15 U.S.C 1692e ( 10 ) The use of any false representation or deceptive means to collect debt or to obtain information concerning a consumer
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had to replace one of my business credit cards due to theft and Capital One Bank would not issue the replacement card unless I sent them a photo ID. I refused to send them a photo ID so I closed the account. I lost approximately {$180.00} in cash rewards because they wouldn't give them to me unless I sent a photo ID. A couple of months later ( XX/XX/2022 ) I received a letter from Capital One stating they had received a refund credited back to the account but are holding onto it for 2 months or 2 statement cycles even though the account is closed. Today ( XX/XX/2022 ) I called Capital One to see if they could transfer it into my Capital One Business Checking account and they said no which is fine. After telling me no she tried to do another way of verification and I sat on hold for about 20 minutes while she was trying to find another way to verify my identity. She comes back and tells me she has no other way to verify me and that I have to fax or snail mail a copy of my ID. She told me the photo is not what they need but when I said I was going to black out the picture she told me I couldn't do that. End result is I had to close my business account a couple of months ago and lost out on approximately {$180.00} in cash rewards and I have to send in my ID in order to get the money that was refunded to me.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-02-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc. (NY)

On or about XX/XX/XXXX, I signed a promissory note with SoFi Lending agreeing to refinance XXXX for a 7-year loan term at a fixed interest rate of 3.506 % consisting of 84 payments beginning XX/XX/XXXX and ending XX/XX/XXXX. According to the promissory note each payment would be in the amount of {$2000.00}. With auto pay that rate was reduced to 3.256 %, which I understand would serve to accelerate the number of payments, and not decrease the monthly payment amount. Since the loan funded I have had the following payments automatically withdrawn from my checking account : XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - XXXX. Notably 3 of these amounts are different, and all are above the {$2000.00} amount included in the promissory note. 

On XX/XX/XXXX, I received correspondence from XXXX, the SoFi loan servicer, that my repayment schedule had changed. It reflected an interest rate of 4.006 % and a monthly payment of {$2000.00}. I contacted XXXX and although they could not confirm why I received that letter, they assured me my rate was 3.256 % I requested a copy of my promissory note, which was provided to me by XXXX. 

On XX/XX/XXXX, as I was reviewing my bank statments, I observed the above funds withdrawals and contacted SoFi. Initially I was told by SoFi that this concern needed to be addressed directly with XXXX. When I informed them that I had already tried, and reminded them that my agreement to repay the loan pursuant to the above terms was with SoFi, i was told they would address the issue. I forwarded to XXXX XXXX, of SoFI, attachments that evidence the promissory note sent to me by XXXX, export of bank statements evidencing the withdrawals, and correspondence from XXXX evidencing the 4.006 % I was told on XX/XX/XXXX that it may take 24-48 hours to get a response from XXXX. To date, SoFi has informed me that they have still not received a response.
Consumer complaint received 2023-11-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit, Inc (TX)

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I have had my phone number since 2010. I have been getting collection calls From Fifth Third Bank I believe for a collection. They call every day almost and have been doing it for well over a year. I have asked two separate people that I have no clue who these women are and to stop calling but it just continues ...
Consumer complaint received 2021-11-17
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. (MI)

These accounts you keep reporting on my credit was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this these accounts are not mine
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management Inc. Reported an incorrect OUSTANDING debt to My Consumer reporting Agencies, Years ago I purchased a secured credit card from, XXXX XXXX XXXX , by depositing an amount iqual to what I wanted my credit be evaluated for, secure deposit for credit, to establish revolving credit records, Years later I ask the bank to close the account, thinking they will balance the credit card debt, and reimburse what was left, instead the reported or sold the credit to collection agency, reported me to the consumer reporting agencies.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GREAT WESTERN BANCORP, INC. (IA)

1. The XXXX XXXX XXXX closed my account without notifying me the decision. And they did this exactly on the day after I emailed them checking about my account opening bonus status.

2. I have completed both requirements for getting the bonus but they simply avoided it by closing my account.

3. They won't reopen my account via phone and didn't give any explanation for why the bonus was forfeited.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

As of XX/XX/2020, I have sent monthly letters to XXXX  XXXX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX  XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Consumer complaint received 2019-06-18
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: PNC Bank N.A. (GA)

I have a loan with PNCBANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and PNCBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.