davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
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 (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CAPITAL ONE BANK USA, XXXX XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CAPITAL ONE BANK USA, XXXX XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My TransUnion credit score -- - which I paid for -- shows that my credit score is XXXX  ( see attached document ) - which would be not an issue. I also pulled the TransUnion score from XXXX XXXX -- again XXXX ; However, my bank, XXXX XXXX, has pulled the credit score for a loan application from TranUnion and TransUnion states that my credit score is XXXX. 

Which is correct? Why are there two different credit scores? Why would there be such a huge discrepancy between both scores? If my credit score is in fact, XXXX then why would TransUnion not display that -- it can not be both. 

This seems completely unfair -- - they tell me one thing and my bank a completely different story. I think we might hire an attorney to fight TransUnion.
Consumer complaint received 2018-04-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NY)

Hello, I have been requesting financial assistance in repaying my loan with HESAA since XXXX of 2017 to maintain a good credit score and payment history. My attempts to arrange special payment arrangements with HESAA, such as stopping payments due or lowering my monthly payment -- have been futile. Their response is always to either ignore my applications or reply days later saying to resubmit the entire application with a list of proof and documents. After I email what they request, I get no answer so I assume everything is set and my payments put on a special forbearance, only find out later my account is behind and delinquent. 

I have the most recent emails and application for Financial Hardship I submitted, to which their response, once again, has been to resubmit with more documentation. They are requesting my last two w-2 's and my 1040. The documentation they are requesting I can not provide. I have not worked in years due to illness and I haven't filed my 1040 as of yet -- I have filed for an extension through my accountant. I became a widow on XXXX of 2017 and I no longer have any form of income. What little I have in the bank is for food and utilities and other basics only. 

HESAA has sent me and my brother, the cosigner, a wage garnishment letter. After I applied and requested financial hardship assistance with HESAA in 2017, the turnaround time between their replies and their requests for " more information '' and instructions to resubmit a new application, has taken MONTHS and they have placed me under a wage garnishment threat. Wage garnishment, as I understand it, isn't only for wages ( which I have none ), but they can only include tremendous lawyer 's fees and other penalties and they can freeze and take what little I have in savings and loans I use to survive. Once they take your bank account savings, it is very difficult to get back from them. 

I see this as pure abuse and HESAA has the power to simply ignore or purposely elongate the time to grant you desperately needed payment assistance. Of course, if I had the money to hire lawyers and take this to court, I would, but I barely have enough to survive so I am at the mercy of HESAA to freeze my bank account, tack on tremendous fees, come after my brother as cosigner, ruin my credit, and place me on welfare and state assistance.
Consumer complaint received 2019-02-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I took out a HELOC in XX/XX/XXXX against my principal property. I paid that loan off on XX/XX/XXXX but somehow I ended up having a {$0.00} ( XXXX cent  balance ). Because of the outstanding interest rate on the HELOC ( 2.99 % ), I was advised to keep the loan open instead of closing it at that time, incuffing an annual fee of {$25.00} to keep the line open. I have paid each year in XX/XX/XXXX via a direct payment from my checking account at another bank. At the end of last year, I was notified that the HELOC was coming to the end of the draw period. I called to close the account and was told that they could not take a {$0.00} cent payment via transfer. On XX/XX/XXXX, I received a bill from the bank stating that I owed {$37.00} including a {$37.00} late fee. I called CS and requested that the fee be waived, which I was told would take 3-5 business days for a response. I was also told I would need to pay a {$74.00} fee to have the Lien Released on my property. I was able to may a  payment from my other back checking account of {$1.00} to make sure I have no more balance on the Line of Credit. I called XXXX County Controller 's office and was told that the fee for the bank to release the Lien is {$54.00}. I reviewed my HELOC contract which states I may only be  charged a release fee equal to the amount of the 3rd party fee ( which in this case would be the Controller 's office ). 
Today, I called the bank back to see the outcome of my request to have the fee waived. The bank did waive the fee, but I only found this out by talking to a supervisor, because the initial CS agent told me it was denied. I also explained to the supervisor that XXXX County Controller 's office stated the fee is {$54.00}, not {$74.00}. She said that XXXX County " has not notified the bank of any fee changes ''. After paying the the {$73.00} balance, I asked how I would receive my refund for the extra {$20.00} payment to the Controller 's office, and she stated that if the bank received a refund from the controller 's office that it would be forwarded to me. ( I have a very hard time believing that this will take place. ) Cudo 's to the Lender for waiving the crazy {$37.00} fee. 
They could have done a much better job explaining the Fee to " Close the account '', and there is the issue of the discrepency between what the Controller 's office told me and what the back is charging.
Consumer complaint received 2019-02-04
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. (NC)

I am a victim of identity fraud and someone stole my identity and tried to open accounts using my name resulting in multiple inquire on my credit report I want them removed. 







XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automotive XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX   XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IL)

I recently filed a fraud dispute with tjx reward card in XX/XX/XXXX. I was a new member and someone got a hold of my credit card and basically maxed it out. My limit at the time was XXXX, I had never used the card ever my credit was negatively affected by a closed account and high utilization and that was the only negative thing on my credit report. Today tjx finally  resolved the dispute reversed all the fraudulent charges but unfairly decreased my limit from XXXX to XXXX as punishment for something I didnt do and now this will affect my ortherwise perfect credit. To add injury to insult the dispute wasnt even properly resolved, some charges were not reversed and I now have a late payment from during the period the dispute was going on which will also affect my credit and I never even used the card one time.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the fair credit reporting act 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 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fay Servicing, LLC (TX)

On XX/XX/2019 I completed a consent form for XXXX to conduct a background check. On XX/XX/2019 I received an email from Faye Servicing HR representative, XXXX XXXX that said the following, " Hi XXXX, sorry for the delay I had to confirmed a couple of things. Unfortunately we will not be moving forward due to some of the results in your background check. 

You will be receiving an email from XXXX in regards to our decision, a copy of your report and some options available to you as well. 

As of today I still have not received the report or had an opportunity to review what was reported about me.
Consumer complaint received 2022-08-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

Can you please have these 3 lying companies investigate these inaccurate account. 

They do not meet FCRA and FDCPA laws, they are violating so many laws in my face. 

Can you please help me out, Ive disputed multiple of times, and they failed to do their job. 

They also failed to provide me with any documents concerning everything i disputed.
Consumer complaint received 2017-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (IL)

Oac collection specialist, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts of {$160.00}, {$160.00}, {$230.00} & {$340.00} with  XXXX ,  XXXX , &  XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2020-06-06
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: ALLY FINANCIAL INC. (KS)

i received a letter from XXXX XXXX XXXX stating that my request to investigate was denied because it relates to an inquiry or request for a consumer report i did not allow nor did i accept this company to have access to my credit report. it is showing that i gave permission to said consumer. 

another account- crescent bank also rejected my dispute to investigate. it shows that i supplied the dealership ( XXXX XXXX XXXX XXXX ) with personal information about my credit report. however, i have never been or inquired information on the vehicle ( XXXX XXXX XXXX ). i did not request or apply for an indirect auto loan. this bank is listed on my credit report TWICE. i didnt accept or authorize XXXX  the first time around. 


ally bank : sent me a letter as well, stating an inquiry through a dealership about a vehicle i tried leasing or financing on. : dated XX/XX/XXXX. 
vehicle. XXXX XXXX XXXX. i did not, authorize permission. i never tried leasing or financing on said vehicle.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION (PA)

I used a promotional balance transfer check from Truist bank and they didn't pay the check when it came through because they said there was a problem with my signature not matching. I was sent a copy of the check and it was my signature. I called them and they said to go in to the bank to get it straightened out. ( was not my fault ) I went into the bank got everything straightened out and they told me to resubmit the check. I resubmitted the check a second time to XXXX XXXX and again Truist did not pay it so I was charged a 2nd bounced check fee. I had the bank manager look into it and he made several calls on my behalf and finally they are telling him it's not being honored because the promotion is over. Originally when I first deposited it was within the timing of the promotion and they said the reason was a problem with the signature. They keep changing the reason and have cost me {$40.00} in bounced check fees.
Consumer complaint received 2022-09-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Greeting Team, LLC DBA Customer Care Global (MT)

Contacted by CUSTOMER CARE GLOBAL, XXXX, on or around XXXX XX/XX/2022, in regards to XXXX loan turned over to collections by XXXX XXXX XXXX I informed XXXX I had no such loan. He read back my address and SSN, however had an email and bank account that are not mine. I advised him that this was identity theft, and told him to stop collection activity. XXXX stated he would stop collection activity. I made a report with my local law enforcement, Ftc, and XXXX. I have not heard back from Customer Care Global. XXXX XXXX XXXX initially stated I needed to take it up with XXXX, however after I filed my FTC and XXXX  complaints, they began emailing me back telling me I needed to prove this was not me. I told them, they needed to furnish the bank account, phone # and email used to get this loan. 
They will not. 
Both companies are involved in identity theft and need to be held accountable, and not allowed to assist trying to defraud American Citizens.
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (TN)

On XX/XX/2020 XXXX XXXX with Radius Global Product called my mother, XXXX XXXX at XXXX XXXX XXXX, asking for XXXX XXXX XXXX XXXX. They were told this wasn't our phone number and were hanged up on twice. 

On XX/XX/2020 XXXX XXXX called Mrs. XXXX again. This time they were told that XXXX and XXXX XXXX were not there and that wasn't our phone number. Mr. XXXX said that he was collecting a debt for XXXX XXXX and said the estimated amount of the debt was {$30000.00}. 

Beyond asking for information about persons location a debt collector is not permitted in the Fair Debt Collection Practice Act to provide any information regarding the debt to any person other than the person they believe owes the debt. 

I called Radius Global Product to gather information about the caller. MrXXXX XXXX freely discussed the debt until I asked for the name of the person who called Mrs. XXXX earlier and provided information to someone other than person who they believe owes the debt. Mr. XXXX, once confronted with this question, began asking if I was XXXX XXXX. I advised that I would complain to FTC / CFPB, about this incident and again if any other persons are contacted. 

The phone numbers used by Mr. XXXX for the calls were XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2017-07-04
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. (FL)

I have requested the below-listed problems be fixed several times. The Credit agencies and letters and telephone calls in vein to the Company reporting the trademarks in error. Every trademark being reported has errors listed, The most serious, is XXXX, and XXXX XXXX XXXX, XXXX. They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full, XX/2015, respectively. See Attched documents : There are XXXX more Trademarks with issues listed on each Credit report. <P/>ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 : Letter, Payment etc. Bach-up documents for my claim
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

They sent me a letter via email : I can also see another dispute in process. This was initiated on XXXX XXXX file number XXXX, estimated completion date XX/XX/XXXX. You should received a notification about the result of this dispute soon. 

We want to make sure any mistakes on your credit report get corrected as soon as possible. It looks like there was a communication issue with XXXX that prevented us from getting a status update about your recent Direct Dispute request. 

Heres what to do next : Check your XXXX  credit report to see if the error you disputed is still there. 
If that error hasnt been updated or removed, submit a new dispute request directly with XXXX at https XXXX XXXX. ( You'll need to create an account with XXXX and follow their steps. ) XXXX will alert you of your dispute status. 
XXXX XXXX will cancel the dispute you initiated with our Direct Dispute tool. 
Youll get a follow-up email from XXXX XXXX that your dispute was cancelled. This doesnt affect any disputes you initiated directly at XXXX  and youll still be able to submit disputes with XXXX XXXX in the future. 
Make sure to take action so that your disputes get resolved. 

I hope this information helps you. Remember you are very important to us, if you need more information don't hesitate to contact us back again. 

Thanks for your preference and for being a valued XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX Support ref : XXXX : ref I requested validation through a direct dispute with XXXX by providing my original signature, that I agreed to these negative accounts to show that their was a meeting of the minds agreeing to these accounts and their terms. I filed my dispute on the XXXX XXXX site directly with XXXX on XX/XX/2021 and today is XX/XX/2021. This is thirty one days without completion and all negatives has not been removed. Please remove all of my disputed accounts.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a 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 nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all XXXX XXXX XXXX accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Omega RMS, LLC (CA)

This company omega rms has violated my rights as a consumer and upon request they have provided any documentation linking my or proving I am reliable for this debt. They stated that they mailed out a letter to validate debt I have not received it. They have no prove it was sent and if it was it was sent to the wrong address on purpose. They are using illegal tactics to try to make me liable for this account that I have no knowledge of