davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
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. (TX)

Company or Organization : XXXX XXXX  {$950.00} XXXX. XXXX, XXXX {$140.00} Company or Organization : XXXX XXXX XXXX {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXXThe penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year. Multi-million-dollar fines can be and have been issued.XXXX XXXX, XXXX all hippa and FTC violations
Consumer complaint received 2021-09-22
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)

Once again Capital One please respond to my cfpb complaint with dignity and respect. Also do not refer to me as a customer, I am a natural person and you still are still violating my rights. 

I asked you in cfpb complaint XXXXt o properly validate this debt. You're sending correspondence to a mailing address that I do not live at. Ive attached my mailing address multiple times. 

Youre stating you repsonded to my cfpb complaints 7 times but you have not responded to the complaint thoroughly.So disregard any other complaints and respond to this one throroughly. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Florida State Statutes for Lawful Purposes. 3.A copy of the contract signed by both parties and therefore binding both parties. 4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account You're such a scum of a company that you do not even have dignity to respond back to my complaint with class. The absolute worst. Im asking for proper validation and you do not want to comply. I already have exhibits of your violating federal law. 

They act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. 

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that Capital One has not rebutted the Affidavit I have sent them. 

RESPOND TO MY COMPLAINT THOROUGHLY. MY AFFIDAVIT HAS ALREADY BEEN SENT CERTIFIED MAIL SO IT WILL BE REACHING HEADQUARTERS THIS WEEK.
Consumer complaint received 2020-10-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (CA)

I have been getting calls from Medicredit for a phantom debt that I dont own. They claim that I have medical debts from the XXXX XXXX which I have never visited. I researched the company to check if it was a scam call. The company is real and has had many instants of hounding people for phantom debt. I refused to contact the company since my research advised against it, warning that if you verified you phone or other person info they would go after you more aggressively. I have been receiving these phone calls about three to four times a month since the start of this year 2020. The most recent call was this week XX/XX/XXXX. Please stop Medicredit from going after phantom debt. I have worked hard to have good credit and I dont want a fabricated debt bring that down. I finally payed off my student loans this year so its been really bitter sweet to have to deal with Medicredit falsely threatening the credit score that Ive work so hard on with regular payments of my student loans.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX Account # XXXX 30 days late in XX/XX/2022.
Consumer complaint received 2022-08-12
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. (NY)

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and update it from my personal credit file. Thank you. XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is reporting a payment status of " 30 days late '' on a current, paid in full, closed account. Also reporting a 90 day late from 2018. This is a violation of fcra. 
Transunion & XXXX are also reporting outdated payment history on a paid in full closed account from 2018.
Consumer complaint received 2020-08-30
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. (NY)

Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on XXXX  XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. XXXX   XXXX and Transunion is reporting this account inaccurate.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

I received my stimulus payment on an American express serve card. I received the payment and was never sent an email or was notified in any way, the only reason I found out was bc I called. I had received my last payment on one of the same cards but apparently not the same card as they are not linked. Instead my money came on a card I had never ever had possession of, so the customer svc person sent me out another card. I received it nearly a week ago, talked to over 30 ppl been hung up on, spoken badly to, spoken to everyone and still have no answers. They say I have to register it and then I can activate it after I complete email verification..I would love to..but I've received just as many broken links as I've been hung up on and given the run around..I suspect fraud i don't know where to turn next. I'm unable to register/activate/ or do anything with this card yet it holds every penny I have to my name.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I sold my car to XXXX on XX/XX/XXXX, XXXX sent a payment in full to Ally on XX/XX/XXXX which they cashed. They did not apply it to my account to pay off the car as it was intended, instead they pocketed the money and claimed there was an issue with the check even though XXXX and I had evidence of payment received and processed. 

I called Ally 3 times a week and talked to someone whos was always outsourced and never on-shore, they kept giving me conflict of information and now, my credit is showing 30+ Days late when I already paid the car completely off 2 months ago! 

This is the tracking number for the {$22.00}, XXX check I sent out : XXXX  XXXX
Consumer complaint received 2022-07-05
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. (AZ)

On XXXX of 2021 my student loans with XXXX  XXXX servicing were transferred to cornerstone lending. I then refinanced them with XXXX. The account still shows as open on my Equifax credit report. Both XXXX and XXXX have updated my credit report to show the accounts as paid and closed. Unfortunately Equifax refuses to do so. I have submitted multiple requests to them to update my credit report and they continue to deny the request. I have included a letter from XXXX servicing showing the accounts have been paid in full and are closed with a {$0.00} balance.
Consumer complaint received 2020-10-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. At the end of the Fall semester in XXXX, I spoke to a counselor, about discontinuing my enrollment, because my grandmother and mother were having serious issues with their house, that was in the flood zone of XXXX. I was told by the school that I could register for the semester, and if I had to withdraw because of XXXX that my costs would be covered, and my transcript would reflect the mitigating circumstances. Well, I was forced to withdraw, and move back to XXXX XXXX to help with clean up and to rebuild, and now the VA says I owe the money for withdrawing. Also, there is no mention of mitigating circumstances anywhere on my transcript. I attempted to go to the school, but the building was empty, and when I tried to contact the school, I found out that they had changed locations, and none of the same people were still there, and I was told that there was no record of them having talked to me about mitigating circumstances. I was also told that the school would soon be closing for good. When I was told that I could withdraw without penalty, the counselor also told me that my Post XX/XX/XXXX GI Bill wouldn't cover another semester after the Winter of XXXX, leading me to believe that I could not graduate anyway, which strongly affected my decision to withdraw. 

I have since found out that I had enough left of the GI Bill to cover another semester, but I can not find ANY schools that will take any of my XXXX credits as transfer credits. When I apply for jobs, I am laughed at when they get to the XXXX part of my resume. I have been told by several former classmates that they are also having the same problems, and we all remember being promised that all of our credits would transfer to any other accredited school, and how XXXX students were among the elite, and super successful, like XXXX XXXX. I feel like I have been lied to, manipulated, and taken advantage of, and feel like I have no recourse. I feel like my time at XXXX was a waste of time and money that I will be paying for, for decades, and now that the school is closing, I will never even get a degree.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (ME)

Over the past year, I have received multiple ( according to XXXX records, 31 total ) calls from varying numbers in various States in the U.S.from this company, Midland Credit. 

I have told them repeatedly I am not the person they are seeking to find and that I have no knowledge of this person 's whereabouts, but they have not ceased calling me at all times of the day or evening. 

I have blocked these numbers as they have come in, but the calls have not stopped.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GreenSky, LLC (CA)

on XX/XX/2021, I apply for a HomeDepo loan project credit card, at the time of the call they offer me 2 % interest for 6 months, and after that it was going to change to the % that I qualified. 
4 days later I got the installment loan agreement, which was 16.24 % there was not 2 % promotion interest for 6 months like they said to me. 
I call them and told them what they offer me, and ask for a manager, told the manager to listen to the recording to see what I got offer.

on the next 4 days the manager call me, and this is what she told me. I did listen to the recording and I want to apologize, they did offer you the 6 months 2 %, but there's nothing we can do, the only thing we can do is do a better training to our employees.

I got XXXX now, and I would like to get some help.

this is the manager of the loan project credit card. 
XXXX from Greensky XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-29
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. (TX)

XXXX  XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MN)

I fell for scam and I went to the bank and to fix it and they couldnt do anything to stop or give me my money back and at first they said I owe {$300.00} now they saying I owe {$1700.00} and XXXX cant afford to pay that off I have XXXX and on low income and its thier fault They need to take it off They keep buying me
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (FL)

This complaint is for Wells Fargo 401K Retirement Services. This company is the worst I have ever dealt with. A year ago they let me borrow against my 401K plan, they sent me the check and I did a mobile deposit to my XXXX  account. XXXX  gave me a provisional credit for the time being - the check was then stolen and XXXX  removed the credit from my account. I called Wells Fargo immediately and I filed a fraud case, I had to wait being that this had to escalate to a department where an investigation was done. After 90+ days the investigation was completed and came back that the check was in fact stolen and someone deposited into their Wells Fargo account. Mind you 2 different names and this bank decided to honor this check under someone else 's name. After this I called every other day I spoke with so many agent for an entire year! None which knew what to even tell me, " it seems like you are missing the affidavit. '' What a freaking joke i sent them 3 and over nighted them to Wells Fargo. This was on every XXXX call!!! we need another affidavit. 4 agents told me the refund was already on it's way, I spoke with so many Supervisors it's not even funny. Last they told me was that XXXX had to do a check reversal, I spoke with the Legal department in XXXX  they said " NO, '' since they never paid out the check and they were not the maker of the check. I NEED THIS ISSUE RESOLVED SOME ONE OUT THERE USED THIS MONEY AND IT WAS NOT ME. THIS IS {$2000.00} DOLLARS and to top it off they had the audacity to send me a 1099 form to claim it in my taxes. I have filed so many complaints with Wells Fargo and nothing has been done. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I have Slate Chase Credit Card, Chase have been charging me@ 29.99 % APR on Purchases, i had tried calling them in the past tried to negotiate rate but no luck. Then i stopped using this card for almost a year and then they sent me a notice of canceling my card if i don't use it. To my knowledge, if Bank cancels my card it reflects negative on my credit report. Besides this, its outrageous for banks to charge 30 % apr on credit cards Purchases, i have another credit card from Chase/with Amazon Prime that they have 12 % apr ( Thanks to Amazon ). And on all my other credit cards i don't have APR more than 15 %, i have an excellent credit history and FICO scores even then Chase charging this outrageous 29.9 % APR. Imagine consumers with not so perfect credit history and FICO score? 

Thank you.
Consumer complaint received 2020-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Kentucky Higher Education Assistance Authority (IL)

We have written through your organization three times about this student loan. KHEAA has had a lien on our Federal Tax return for 19 years. We feel this loan is paid in full. Through your organization, they agreed the loan was paid in full ( XX/XX/20 ) and the lien would be removed ( XX/XX/20 ). We asked them to send us a letter stating those results. They claim it was sent on XX/XX/XXXX ( XX/XX/20 ). We're now on XX/XX/XXXX. No letter has been received, and it doesn't take a month to get a letter from Kentucky to Illinois!!! 

In addition, believing their responses in good faith, we filed our tax return. Today I received a letter from the IRS stating that our tax return money went to KHEAA - DUE TO A LIEN THAT WAS SUPPOSED TO BE REMOVED!!! 

It is obvious that this organization is lying to you and us.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Made payment to Sams Club Mastercard instore, {$120.00}, on XX/XX/2022. 

While the website states a payment is not due, the payment is not reflected in the payment history in the attachment.
Consumer complaint received 2019-08-02
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. (MS)

I have disputed the student loan account with XXXX  for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX and US DEPT ED XXXX
Consumer complaint received 2020-08-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

Chrysler Financial and the selling dealer have XXXX  this account up since day one. Constant issues. Finally able to setup auto pay for XXXX   payment and forward. No issues until I get a past due in the mail today XX/XX/XXXX showing no XXXX, XXXX, or XXXX payments made. XXXX?! Its on autopay, if there was an issue tell me in XXXX, or XXXX orrrrr anytime?! Same pattern of negligence and inconsistency since day 1. Every account rep has a different story, no information can be trusted, and nothing works.