davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$28000.00}, {$0.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-10-13
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. (TX)

An inquiry on XX/XX/2018, a Miscellaneous Utilities of XXXX XXXX. placed a hard inquiry on my report and knew that they do not service my area. XXXX XXXX stated that they could service my home but once they got here it was null.
Consumer complaint received 2021-12-05
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 (CA)

On XX/XX/2021, I purchased a Round Trip ticket from XXXX XXXX with my Capital One Credit Card in the amount of {$170.00}. 

On XX/XX/2021, I arrived at the airport. After refusing additional sales, the rep checked me in at XXXX. With the help from the airport staff, I was able to make it to the gate a few mins earlier than the boarding time. But XXXX refused to let me board the plane. Therefore I had to purchase another ticket immediately with XXXX XXXX in the amount of {$150.00} to keep up with my trip schedule. 

On XX/XX/2021, I was returning from XXXX, the XXXX staff told me that I needed to purchase another ticket on my own device because I missed my initial flight. How absurd? Thus I spent another {$140.00} for a returning flight, paid via Capital One credit card. 

I called capital one to dispute the transaction in the total amount of {$300.00} ( {$150.00} + {$140.00} ), Capital One issued a temp credit. 

On XX/XX/2021, Capital One took away the credit because the merchant responded that I didn't cancel the ticket and no show therefore I am not eligible to receive a refund. This response is completely irrelevant to my dispute claim. 

On XX/XX/2021, my attorney submitted the rebuttal letter requested by Capital One along with the evidence of a check-in voucher to prove that I showed up but XXXX didn't let me board the plane. 

On XX/XX/2021, Capital One sent a letter that they can not assist further and the decision has been made in favor of the merchant, even though the merchant didn't even provide any valid response. 

In XXXX, I filed my initial complaint against Capital One through CFPB. One month later, Capital One responded with a request of Power of Attorney, and then CFPB closed the complaint. I have no clue what capital one and CFPB are doing. I'm happy to copy and paste everything I just wrote continually until we solve this matter.
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My personal and confidential information has been compromised due to : XXXX data breach XX/XX/XXXX Vehicle Larceny XX/XX/XXXX Vehicle Larceny XX/XX/XXXX There are 4 derogatory marks on my account as a result of identity theft, fraud. 

This serves to notify the creditors of my right to dispute these fraudulent charges and subsequent negative marks under FRCA section 609 and 611.
Consumer complaint received 2022-06-12
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, all 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 a account without my written consent, and or instructions.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Original loan was with XXXX  ( # XXXX ) and during covid-19 starting from XX/XX/XXXX we were on the Forbearance plan until XX/XX/XXXX XXXX during the Forbearance plan our payment to XXXX  for mortgage payment was paused and we were not to be reported to credit agencies as late payment or delinquent. It was a temporary pause on our monthly mortgage payment until XX/XX/XXXX. After the Forbearance plan had ended, we were told by XXXX to make 3 monthly payments and a loan modification will be completed to add the paused payments to the end of the current loan. 1st payment was paid on XX/XX/XXXX for XXXX payment, 2nd check paid on XX/XX/XXXX for XXXX payment, and after making the first 2 payments to XXXX we were informed that Shellpoint Mortgage Servicing company had taken over our Loan in XX/XX/XXXX and the 3rd payment should be paid to them. 3rd payment was paid to Shellpoint Mortgage company dated XX/XX/XXXX and was deposited by Shellpoint on XX/XX/XXXX. ( all 3 payments were paid for XXXX, XXXX, and XXXX prior to ending date ) all checks were deposited prior to check date ( Copies attached ). Numerous calls had been made to Shellpoint to clear false report to credit bureau but nothing was done causing us more stress. How can I be late 90+ days when all payments were made on time and according to our contract with XXXX when Shellpoint purchased our loan in XX/XX/XXXX! We were reported to credit agency as soon as they purchased our loan and by law they have to give us a 60 day grace period which was not provided. we have not been late in any payments before forbearance plan or after the forbearance plan had ended. Shellpoint has provided false information to credit bureau causing damage to our credit score.
Consumer complaint received 2019-10-05
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: WELLS FARGO & COMPANY (NY)

On XX/XX/2018, my authorized user purchased a visa application in the amount of {$120.00}. This was able to be cancelled and refunded since he never went through the biometric processing. I was told this would be refunded within 12 weeks ( after Wells Fargo allows disputes ). When I contacted Wells Fargo about this, they told me I was unable to dispute the purchase since it is after their internal deadline of 90 days to begin a dispute.
Consumer complaint received 2018-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Regional Management Corporation (SC)

From around XXXX to present I have dealt with pay day loan company. I was told that my credit score was to low to get a large loan so it has been in around {$300.00} plus that I started with, then they gave me a second on a car that was {$1800.00} in XXXX. They have changed management now but the manager that I was dealing with gave me the title to the car and marked it paid in full. Now the new management is saying that it was not paid off but transferred and combined with the other loan. Now they are saying that I owe {$10000.00} it is XXXX the other manager gave me the title back because he knew that it did not take 4 yrs to pay off a XXXX loan. my payments were almost {$400.00} a month and they told me that I could not get big loans because of my credit this why I had to get the XXXX car, and had to get the loans for around {$300.00} but now I owe them according to their records that show that I got money that I didn't get and that though I was given my title to my car, I still owe for it. My payments dropped because I raised such a ruckus but they are still XXXX a month. I know that I don't owe all that money and I need someone to step in on my behalf and help me with this. They have mediation but it is their mediators.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (PR)

My complaint is about Jetblue 's Plus Master Card. 
Barclay Bank offers XXXX ( as of now ) reward points as a benefit when you apply for the Jetblue Plus card ( after spending {$1000.00} in 90 days ). But Jetblue 's card does not give the same reward points to XXXX XXXXXXXX XXXX  residents. As XXXX residents, we have to apply for this Master Card credit card through XXXX XXXX XXXX, and this institution does not give the same benefits to Jetblue Credit Card clients. This is a very discriminatory action from I do not know if it is from XXXXtblue, Master Card, Barclay, or XXXX XXXX XXXX XXXX Jetblue 's flight attendants market the card, announcing on the flight, out loud, the benefits of the cards, encouraging passengers to apply, and mentioning the rewards points. Everything they say is given away in a brochure to fill out the application or through scanning a barcode with a promo code. But Barclay Bank does not let you apply because we are XXXX residents. Still, the bank institution in XXXX  does not give all the printed benefits, which is discriminatory. We, as passengers, paid the same price for flying tickets on Jetblue ; we are not flying for free or with a discount why do we, as residents of XXXX, have to first apply for this card through XXXX  instead of Barclays, which gives the benefits, and why we do not receive the same benefits as the XXXX XXXX XXXX residents?
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: United Shore Financial Services, LLC (AZ)

I was told by United Wholesale Mortgage that my XXXX payment was late. That the payment I had made didn't go through because of lack of funds. I grabbed my credit union account and found out that, during the month of XXXX, I DID make my XXXX payment on time, by XXXX XXXX. BUT .... UWM decided to hold on to process my payment until XXXX XXXX... XXXXwhich made the payment late so then they put on a late fee and then said I didn't have the funds in my account. They then said the same problem happened in the XXXX and XXXX payments so to bring it current I had to pay around {$5000.00} cash. I was flabbergasted! And UWM never returned the money I did pay on the mortgage. 

So in very late XXXX I made another payment to UWM. They then said XXXX 's payment was moved to XXXX and I was now 2 months late. As a public school teacher I get paid twice a month. I was very disappointed that UWM wouldn't remove the late charges since I felt like the whole situation was never my fault. Bottom line now is that everything is current BUT UWM refuses to remove the bad credit from my account.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (IN)

Letters of dispute to all 3 credit bureaus Experian, XXXX, & XXXX regarding disputes of reporting incorrect/ inaccurate information on said collection accounts ( see below ). Letters were mailed on XX/XX/XXXX ( first Attempt ). Section 609 Letter was mailed to All three Credit reporting Bureaus on XX/XX/XXXX ( 2nd Attempt ). After no response/ no resolve ( 3rd Attempt ) mailed letter on XX/XX/XXXX and File FTC Complaint. 

Accounts : XXXX XXXXXXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX credit- XXXX : XXXX- XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX- XXXX
Consumer complaint received 2023-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (FL)

I had a loan with a company called XXXX and they suddenly sold all their loans to a company called SST. SST has lacked transparency from the start of the service and is withholding information about my loan. XXXX no longer shows me my payment records, and states that SST completely owns the loan and has all of my information. 

SST has failed to provide an accurate payoff balance or my payment history despite XXXX separate requests to get this. Without my payment history, I can not corroborate that my current balance is accurate and I have reason to believe that its not. It does not match what I recall seeing on the XXXX website previously, but all of the information under the original company is now gone and they insist SST has all the information. I cant access any information from this loan anymore, and I stated that until I receive my financial records and accurate information about my loan, I will not continue paying. 

Each time I speak to a representative they say they understand and they agree. Its been a month and a half and they have failed to provide the information yet they call me 5 times a day trying to collect. 

Additionally, they seem to have changed my previous loan terms. Each payment made to them requires a $ XXXX {$10.00} processing fee that was NEVER a condition in my previous agreement. Even autopay features with them incur a significant fee. This is an uncommon practice. 

Overall this company seems unable to appropriately service the loans they acquired from XXXX, due to a lack of technology and staff, and have failed to provide transparent information regarding my loan and its terms.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I XXXX XXXX have been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; Transunion, XXXX, XXXXXXXX XXXX XXXX and XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any misleading or inaccurate medical data on my consumer profile. This is a HIPPA violation and they are all civically liabile pursuant to 15 U.S.C 1692k.
Consumer complaint received 2022-06-12
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Source : XXXX XXXX : XXXX  Address : app. XXXX XXXX, XXXX, IN XXXX Phone : XXXX This company came up as an Hard Inquiry on my credit report on XX/XX/22 on XXXX XXXX XXXX XXXX I didnt apply for any credit. I have fraud protection so I dont understand how someone could us my name to open up new creator. Usually the company calls me before proceeding.Can you please help me with this matter.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (IL)

This account was opened in XX/XX/2014, it has been closed. They have switched the account to another internal account with a different account number lied about me making payments I never made to keep it active while also toying with my credit nonstop, one month they change the payment history the next month its changed again.

They have charged off the account and now all of a sudden they are also trying to put it in collections because its coming up on seven years. I have no collections on my credit and I will not stand for it Im trying to build my credit to buy a home and this corporation is doing nothing but trying to hold me down on every level on every turn. The information is incorrect they have blatantly lied over and over it must stop. I have all the records to prove this. This is beyond bad business practice this is downright lying on there part. How Can anyone get ahead in life when I have to deal with corporations like this Im just one person but I will not give in and I will prove to whoever I need to they have lied and lied and lied.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

On XX/XX/XXXX a loan was obtained from Toyota Financial Services for a XXXX Toyota XXXX XXXX. On XX/XX/XXXX, a notice of acceptance, along with the XXXX XXXX XXXX XXXX for final settlement and discharge of the debt in the amount of {$46000.00} was sent to Toyota Financial Services Attn : loan department, Registered Mail with return receipt.There was no response from the company. On XX/XX/XXXX, a notice of default and opportunity to cure was mailed to Toyota Financial Services attn : loan Department and got delayed by the USPS. On XX/XX/XXXX, copies of the first ( 1st ) and second ( 2nd ) mailings was sent to the CEO of Toyota Motors XXXX XXXX and copies of the same mailings was sent to Toyota Financial Services attn : loan department. With no response. On XX/XX/XXXX, another notice of Fault and Opportunity to Cure was sent to the CEO of Toyota Motors XXXX XXXX. No response. On XX/XX/XXXX, another notice of Fault and Opportunity to Cure was sent to Toyota Financial Services, attn : Loan Department. No response. On XX/XX/XXXX a notice of Default was sent to Toyota Financial Services. No response. Toyota Financial Services along with CEO of Toyota Motors XXXX XXXX have accepted my Instrument, never returned it and using it to trade. I have obtained the CUSIP NO : from the account. I signed the original contract, without recourse. Toyota Financial Services, along with the CEO of Toyota Motors XXXX XXXX have not sent the Title to the XXXX Toyota XXXX Runner, they have not set the record straight with DMV, they have not settled this account, they have not discharged this debt and sent me the notification of the settled account. Toyota Financial Services have sent a delinquent report to the Credit Bureau harming my Credit Report and Credit Score.
Consumer complaint received 2020-01-31
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: DISCOVER BANK (KY)

XXXX XXXX 's response to Discover. Did letter of XX/XX/XXXX represent both disputes? One ''Dispute of Liability '' in XX/XX/XXXX in XXXX Circuit Court -Judge has not given decision yet. 2nd Dispute made by XXXX XXXX to Discover in Utah office concerning over 30 unauthorized charges on XXXX 's Discover account by XXXX XXXX Law Firm of XXXX XXXX, Fla. 
The balance charged off is not valid as Discover said. The balance should have been a negative balance in favor of XXXX. 30 unauthorized charges ( {$47000.00} plus ) need to be removed plus about the same # of overpayments in amount of over {$8000.00}. which results in negative balance ( over - {$55000.00} ) that Discover owes XXXX.

Sending copy of letter of response to Discover by XXXX   and copy of list of unauthorized charges to CFPB, Credit Bureaus. Hopefully, CFPB will require Discover to provide proof and evidence concerning his investigation of unauthorized charges as XXXX requested.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

I had made multiple requests for verification of this debt and the company have not send me the requested information. Thus is not my acct and I need proof of signed contract and anything that verify the legitimate of this debt. Dispute is still currently in dispute while is to my understanding that the company has up to 45 days to give me the requested information and they are in violation of my rights. Attach proof of my requested.