davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I haven't bought anything in over a year on this card and have been making my payments religiously, however my balance has remained over the limit. I have tried to dispute directly with them, but they refuse to allow me to do so via email ( I get very stressed speaking to them as I have XXXX XXXX  ) I am asking for a breakdown of all purchases since the card was opened along with whether Pin was used or not, and a ledger of all interest and fees. They took over my account and put something into the account which has led me to believe there are several inaccuracies.
Consumer complaint received 2019-11-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (TX)

Purchased a new vehicle and wanted to pay cash. The dealer pressured to finance XXXX. I did but stepulated only for two years. After over 2 years called for balance. Turns out the financed it at their own discreation and chose 6 years at a very high rate. And added several protection criteria. Like loan protection, loan assurance and others increasing the loans amount. Please let me know what is going on. I am a XXXX XXXX XXXX VeterAn with a fixed income. 
XXXX XXXX XXXX. 
Very worried I can be reached at XXXX XXXX Thank You. I appreciate your responce
Consumer complaint received 2023-01-13
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (WY)

I contacted Affirm to close my account on XX/XX/2022. I had used their services multiple times in the past, but recently I have not been allowed to do so. After paying off my final Loan on XX/XX/2022, I left the account open just in case I was able to use it. I checked on the account again and was still unable to use it. After this, I tried to close my account and I kept receiving an error stating that I still had open savings accounts or unresolved loans. I verified that all my loans were settled and that I had no open savings accounts. I was clear on my end, so I reached out to customer support. I was told that I was not able to close my account because of the possibility of a refund. My most recent loan was opened in XXXX of 2022. My return windows are closed. When I brought this to their attention, I was told that if I claim the warranty, they may refund my affirm account. The warranty is handled by the manufacturer directly and my extended warranty is through XXXX meaning, no refund will be issued to affirm. When I stated this, the employee said that was their policy and ended the chat. I have since called in and as soon as my account is pulled, they end the call.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NY)

I am not liable for this debt with XXXX XXXX and I do not have a contract with CAINE WEINER plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : XXXX
Consumer complaint received 2024-03-06
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 XXXXXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

My mortgage loan was transferred to PHH from Ocwen home loans on XX/XX/XXXX. Before the loan was transferred I applied for a modification due to financial difficulties stemming from the wind storm we had back in XX/XX/XXXX. My roof collapsed, and ceilings caved in raining into my home. My XXXX   had over XXXX worth of damage and the insurance declared it a catastrophic incident. we lived in a residence in for 4  months and had to pay for food, new clothing etc because we couldn't enter the home. We applied for a modification while continuing to do what could be done to keep the mortgage up and Ocwen turned it down stating that we had had too many modifications in the past. The question was posed to Ocwen and PHH how many have we had and to please provide us with paperwork as to when it was. we are currently 11 months behind and PHH has stated that a Notice of Intent has been sent but can not provide us with paperwork nor give us a explanation as to when it was sent nor can provide us with any paperwork as to the number of modifications were done. They just say no and that we have to provide 10 months of payments in order to even get on a payment plan. This company is unorganized and unprofessional and we just want to do what right.
Consumer complaint received 2022-01-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2022, I consumer XXXX XXXX sent NAVY FEDERAL a debt validation letter, impeding on my ability to exercise my rights to validate this debt. This letter was sent via certified mail with the tracking number : XXXX. I previously asked for an audit trail of this account in which NAVY FEDERAL failed to comply. NAVY FEDERAL sent me a written correspondence instead, stating the debt was valid. Only a consumer can validate a debt and NAVY FEDERAL is preventing me from the ability to validate the allege debt.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

All incorrect information on my credit score before and after I bought a home And my credit score gone downhill lower than before some of the credit cards I stop using them and they still try to collect my money it very sad and frustrating! I try to make my end meet for my family and XXXX little boy but they keep messing with my credit score it make my process to buy a home very challenging because of high interests base on my credit score! 
All I want is a fair treatment Thank you
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

unathorized use of my credit report by the companies listed below:

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 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: Collins Asset Group, LLC (NJ)

An account in my name was referred to a 3rd party collection agency. I presented the company with a police report, and a FTC complaint, and now I'm filing a report with the CFPB because it has yet to be handled. 
I advised the address they have on file is not an address I'm familiar with. I provided a copy of my License as well, and I still got no response. 
.
Consumer complaint received 2024-03-06
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. (MN)

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 2019-09-29
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. (IL)

When i received my credit report on XX/XX/2019 i noticed fraudulent accounts or accounts that i did not authorize so i made a police report and i also filed a complaint with ftc and i'm following up with you guys because my current grievances wasn't met.
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for the Bank of America XXXX XXXX XXXX XXXX for the enhanced sign up bonus and additional features. I was accepted for a lower product with no explanation why. When I called to upgrade to the Signature card I was granted that and promised the bonus that came with that card. A subsequent call to Bank of America requesting a status was made by me and again I wanted to confirm I was going to get the bonus and again I was promised I would. When I received the new card I called to request when my bonus would post and I was informed I was eligible for a far less bonus since I upgraded the card. This is deceptive and not what I signed up for. Now I have a hard pull on my credit and nothing to show for.
Consumer complaint received 2022-01-10
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account needs to be deleted immediately. I requested information from this company and gave them 30 days to respond they did not respond at all under the 15us code 1692 it states.

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried XXXX XXXX XXXX, but CapitalOne refused to help or show proof of their claims. I included statements and XXXX complaint. I feel like CapitalOne might be doing a scam and might need to be investigated, because someone else might have gotten charged like this and didn't even know! I got charged {$15.00} in bogus interest charges in XXXX and XXXX on something they are calling a promo purchase which I never signed up for or used, and CapitalOne is not willing to show me how they came up and validate these fees they are hitting me with by showing me proof of their claim while I showed with my statements fact that there should have never been any interest charged at all and only thing I ever did was a balance transfer which came with a {$0.00} fee just your regular XXXX but that was paid in full every month there is no interest charge like there rules say and what they charged in this promo charge don't even equal none of my purchases or balance transfers. I called and talked to someone finally on phone and they couldn't even tell me what charges got hit with interest and didn't want to fix this charge or even listen to me just kept telling me I am wrong, and they are right without proof, but I got the statement, and it shows I paid my statements in full every month and one month there was not even a balance carry over and still got hit with interest in XXXX. Like I said they charged me twice in 2 months on different promo purchases that was never made, and the numbers don't even add up on where the charges are! In XXXX which had a zero-balance statement I got charged {$3.00} on {$270.00} promo charge. There are no charges on my account for this {$270.00} there is not even a balance transfer for {$270.00} XXXX transferred {$1600.00} so can't be that, why would I get charged only for {$270.00} when I did over {$1600.00} so once again where are they promo charges. Then in XXXX, I got hit with an interest charge of {$12.00} on {$910.00} for another promo purchase I didn't make and like I said I paid the full XXXX balance off in XXXX so should never got charged and another strange thing XXXX promo in XXXX was a 14.24 % but in XXXX the XXXX for a promo charge the rate is 15.49 %. I just want my money back for these bogus charges and interest I lost to my personal bank while you're holding my money!!
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.XXXX.XXXX
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems (MT)

I have filed report on company once before. Then I received notice from my credit monitoring that I have a derogatory item on my report. I called XXXX  and they said I have to pay {$99.00} to get it fixed. I then contacted the company that gave me payday loan and I have not heard back. They are reporting u owe {$850.00} when I have paid {$650.00} and I have receipts plus I tried to make final arrangements for remaining amount and they refused to work with me. I got loan on XX/XX/XXXX in XXXX and I dont owe them {$850.00}!!! In XXXX theyre were threatening me with jail so I sent them a letter asking them to stop contacting me! Very nasty company with horrible collection practices! Theyre now back at it and I need some help please! 
Emails I have sent XXXX. 

Okay I will call to settle my account. State law for Montana only allows a cap of 32 % interest for payday loans. Additionally the harassment of calls on XX/XX/XXXX broke state and federal laws. Please keep the interest cap in mind as we negotiate the final payment when I have already paid {$220.00} on a {$500.00} loan. I think a fair payment offer is in order. Look forward to a productive call with no games. 

Thank you, XXXX XXXX XXXX, and XXXX XXXX XXXX, I'm making contact again to find the out the address to send final payment for a payday loan issued on XX/XX/XXXX for {$500.00}. I have made a payment of {$220.00} already leaving a balnce of {$270.00}. With the reasonable interest rate of .36 % allowed by my State of Mt and remaining balance I agree to make a final payment of {$370.00}. Please send me the address of where I need to send final payment. Thank you! 



Under Montana law, deferred deposit ( payday ) lenders may charge fees equaling one-fourth of the loan, which, as an annual interest rate could range from 300 percent to 650 percent. Title lenders may charge similar interest rates. I-164 reduces the interest, fees, and charges that payday lenders, title lenders, retail installment lenders, and consumer loan licensees may charge to an annual interest rate of 36 percent. It prohibits businesses from structuring other transactions to avoid the rate limit. It also revises statutes applicable to pawn brokers and junk dealers. 

Sent XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT XXXX Remove my routing and account number from your records! How sneaky trying to pull funds under red leaf ventures instead of red leaf lending! This is fraud and unethical I'm reporting your company to my State attorney generals office again with a phone call XXXX
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (GA)

An unsolicited card was sent to my XXXX XXXX XXXX daughter. We do not consent to this card. However, when I try to contact the company, I can't get through to anyone without entering her SSN. This I will not do! XXXX XXXX should not be issued to underage children without consent. We should be able to cancel without giving personal info.
Consumer complaint received 2022-01-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (RI)

Nationals pending corporation Account opened XX/XX/2021 Nations lending corporation has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. 

The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value and Nations lending Corp pursued to securitize it! 


Nations lending corporation converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower ( which has an economic effect similar to stealing, counterfeiting, and swindling.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kingston Data & Credit International Inc. (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (TX)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.