davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (OH)

XX/XX/XXXX got a letter from Radius Global out of XXXX, MN stating I owe XXXX XXXX XXXX XXXX! I have not had XXXX XXXX XXXX  have nothing to do with either company. I have exhausted all leads to get in contact with anyone at XXXX XXXX XXXX to help with this. I am told without a passcode, XXXX XXXX XXXX can not put this bogus account # in their system to bring up the account! That even sounds suspicious to me! I have jeopardized my personal info online trying to get this matter cleared up asap! Radius then flagged my credit reports which had brought them plummeting down! I do NOT know where any of this originated from, I just know I'm doing everything to get this resolved! I filed a police report on XX/XX/XXXX! This has made a significant impact on my overall health, as I spend almost all day everyday for an entire week worried, calling, etc. to get to the bottom of this! I tried last week reaching out to Global, in addition to the unprofessionalism, my instinct told me to not talk with them, so I hung up! They all had strong accents to make matters worse! I DID sent them a certified letter that should be received today, telling them to seize & desist from this and/or send me proof of any XXXX XXXX XXXX  statement. Anyone knows, that if you owe a company money monthly for a service, that you'd receive statements, messages in some fashion to " pay up ''. I have NEVER received NOT ONE THING from XXXX XXXX XXXX, because the account is NOT mine, never has been! I was taken back when my neighbor told me the same thing happened to her late XXXX ( it was a different debt collector though ), in the end, someone had opened an account that did NOT belong to them! Radius Globals reviews should sum this up! Many people state the same thing I'm saying, do NOT, NEVER had, XXXX XXXX XXXX account! XXXX XXXX XXXX has done XXXX, I've called many numbers, stopped at 2 local stores, got nothing accomplished, because I can not prove their PASSCODE! They went down the list of what they offer in services to see if I have any, I said NO to ALL of them. PLEASE HELP me, this has consumed an already stressed out older person ( me )! Thank you!
Consumer complaint received 2022-07-14
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (KY)

I initially contacted honda regarding the payment information reporting on my credit file and they said it was out of their hands. They stated it wasn't anything they could do. 
On XX/XX/2020 I sent a letter directly to the credit bureaus to validate that the information reporting via American Honda was correct. I can clearly see that payment information is reporting inaccurately across all XXXX bureaus. 
On XX/XX/2020 I sent them a letter asking them to verify how they verify/validate the account. 
On XX/XX/2020 I sent another letter since I had not received a response from all 3 bureaus. 
On XX/XX/2020 I then sent another letter asking them to please delete the late payments from my report since they are reporting inaccurately and they refused to properly verify it with me. 
On XX/XX/2020 I sent in another letter stating I planned to file with cfpb and my attorney general since they are refusing to proceed with a thorough investigation. 
On XX/XX/2020 I sent another letter stating I was going to explore my legal options since I was being ignored. 
On XX/XX/2020 I had send in another letter, and haven't heard anything.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX XXXX at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ca XXXX Has been sending me collection notices in the amount of XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company.This company does not have a contract with my signature.
Consumer complaint received 2021-06-28
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: Neon Newco Corporation (WA)

On XXXX, A company called XXXX XXXX XXXX charged my account as following : {$5.00}, {$100.00}, {$18.00} and {$510.00} for a total of XXXX. I filed a fraud claim with Netspend and they denied my claim.
Consumer complaint received 2024-02-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (IN)

I got a gift card in the amount of {$50.00} as a gift. I have activation and receipt for this card. 
When I checked the balance it was {$0.00}. I looked to see why and it had been use in XXXX  at a secretary of the state. I called card company and was asked to fax information such as my drivers License, copy of the card, receipt etc. I first faxed info as requested, waited a month, no response so I called again. Again they asked for information to be sent. I did as asked and still nothing. I then began calling again. They ask to enter card number and I do then representatives come on and ask more information, they then put me on hold or just hang up on me. This is happening everytime I call. I want them to make this cards value correct or send me a new card.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (DC)

I have XXXX loans for home furnaces combined into XXXX account XXXX with Wells-Fargo Bank . XXXX is a non interest loan that started in XX/XX/XXXX with about XXXX automatic payment left. The second, I had to pay off in XXXX months from XX/XX/XXXX or by XX/XX/XXXX to avoid interest payments. 

I have been paying them both using automatic withdrawal payments from my account ending in XXXX. I attempted to make the last payment for them XX/XX/XXXX with {$2900.00}. 

However, I mistakenly gave the lady over the telephone the wrong account number for the payoff, XXXX. She did not ask me if I wanted to use the same account, XXXX, or mention that I was giving her a different account number. They also did not email me any confirmation so I can visually see what I had done. 

It was not until XX/XX/XXXX, that I noticed there were attempts to take {$2900.00} out of my unintended account, XXXX, XXXX. Thinking that I had given them the correct account on XX/XX/XXXX, it took me awhile to figure why that unintended bank account XXXX had XXXX {$2900.00} entries as Wells Fargo attempted to retrieve the money instead of calling, texting, or emailing me that there was a problem. There were also XXXX {$28.00} charges that later found out were credit union insufficient fund charges.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Credit limits have been decreased on both my personal credit card and my business credit card and I am have been a customer since XX/XX/XXXX and I have been XXXX XXXX since XX/XX/XXXX and my credit score is XXXX.
Consumer complaint received 2024-02-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX was hacked and my personal information, social security number, phone number, address, email address, and birthdate were compromised. This was then spread through the dark web and I know through my credit monitoring service that XXXX XXXX XXXX gave all customers complimentarily because of their data breach. I have tried to dispute this Kohls charge card through XXXX and it said that it was resolved but the card and balance associated with it was not removed. My credit score has now dropped XXXX points as a result of this oversight and stolen identity issue. Please help. There has also been a XXXX XXXX account that has been opened fraudulently that I have to submit my personal information for in order to be removed. XXXX XXXX XXXX  has ruined my life.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Regarding Bank of America 's promotion of credit card check payment, complaint ID : XXXX, submitted XXXX, status closed, " I still have not received the fees of {$400.00} from the Bank of America Credit Card ending in XXXX. This is due to the misexplanation by the Bank of America staff regarding the use of credit promotional checks. I incurred late fees amounting to {$4600.00}, in addition to the original tax fees of {$4200.00}. 

The Bank of America staff assured me that using the payment for tax would not be a problem, leading me to pay the tax bill. However, the Bank of America failed to forward the amount to XXXX XXXX XXXX twice, resulting in non-payment to the county. '' Please let them know what caused I used to pay their credit promotional check,
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On the date XX/XX/XXXX a judgement was made on me from XXXX, XXXX and XXXX. I was never contacted about them trying to sue me. The debt they are trying to collect is over XXXX XXXX XXXX. They must of lied in court because a judgement was made against me even though this debt is old.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (WI)

On XX/XX/XXXX I sent a XXXX payment of {$400.00} from my Ally account to a person selling Event tickets. The tickets turned out to be fake. According to the XXXX guidelines this is a covered benefit. I submitted a dispute with Ally on XX/XX/XXXX asking for a refund and have since contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Ally has been non responsive and is not following the XXXX guidelines
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

I linked my Bank of America personal account to my business account so as to transfer funds. The accounts linked but i am still unable to transfer funds between them. I was on the phone multiple times over 4 hours because they kept hanging up on me and transfering me, only to then hang up. I still have no resolution and my business is unable to use the bank business account. This is a major issue that Bank of America refuses to resolve
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (HI)

Ally Financial XXXX XXXX XXXX, XXXX, MN XXXX- You furnished the alleged transaction on my XXXX, and XXXX that you identified as late. 
15 U.S. Code 1681a - Definitions ; and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 
The only way a creditor ( which is you in this case Ally Financial ) can treat a payment as late falls under 15 U.S. Code 1666b- Timing of payments ( a ) Time to Make Payments- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by Section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late, you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Please provide proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith, under Rule 1002, the documents that show proof that the information pursuant to Sections 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely on me stating that you are furnishing accurate information, because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with sections 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide proof of the mailing or delivery of the information required by Section 1666b you can not treat a payment as late, which means you have also violated Section 15 USC 1681s-2. You have 10 calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late and update it as paid as agreed. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX _________________________________ Without Recourse XXXX XXXX
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (FL)

This started back in XXXX. I joined Ally Bank because I was told they were a good bank. However I found out this was not the case. During my time with Ally Bank, a colleague of mine sent me an ACH transfer of {$50000.00} on XX/XX/2024. I needed to transfer to {$50000.00} to another account of mine that was for personal medical issues. When I tried to transfer the {$50000.00}, the website stated I can only do {$25000.00} at a time. So I did I transferred the first {$25000.00} and it went through with no problems whatsoever. When I try to send the second {$25000.00}, suddenly Ally Bank locked my account. So I decided to call them. I kept getting the runaround from every person I talk to even from the fraud investigators. They told me that the {$25000.00} was flagged as fraud which was not true because that {$25000.00} came from the same account as the first XXXX and that was not flag for fraud. The second {$25000.00} had the same information as the first {$25000.00}. After weeks after months of talking to people they finally said that they were closing my account with for no reason whatsoever. Their excuse was that they think it was fraud which it was not. So I asked them where is the second {$25000.00} that was in that account in my account. They said that they were going to send it back to the person that sent it to me. It has been weeks and the person that sent me the {$25000.00} still has not gotten her money back. She's gone to her bank and they have told her that the money has not shown up. I need to know where the {$25000.00} is.
Consumer complaint received 2024-02-23
Product: Credit 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 (NC)

XXXX capital one credit cards were opened in my name using an address that is not mine. 

The capital one accounts are as follows : XXXX with past due of {$450.00} Account was opened XX/XX/XXXX XXXX with past due of {$490.00} Account was opened XX/XX/XXXX The addresses that were used fraudentely are : XXXX XXXXXXXX XXXX  XXXX, NC XXXX this addresses was disputed and deleted by XXXX please help in this matter
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (OH)

One Main reported to lates on my credit account and none of them are correct. Two lates were reported on XXXX and XX/XX/XXXX and one in XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.
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: ALLY FINANCIAL INC. (TX)

Per the FCRA ( Fair Credit Reporting Act ) 15 U.S. Code 1682 sec 602 states .... There's a need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer right to privacy. XXXX XXXX XXXX are consumer reporting agencies, I am the consumer. I ( the consumer ) have the right to make sure that my information ( private ) is not shared which is protected by 15 U.S. Code 6801..It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies : a financial institution defined under that title ) 15 U.S. Code sec 604a sec 2 says ... .. in general subject to subsection ( c ) ANY consumer reporting agencies may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. XXXX XXXX XXXX and any other credit agencies DO NOT have my written consent to furnish this information. ANY and ALL consent to XXXX XXXX XXXX and any other credit agencies... ..weather it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 U.S. code 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ... me ( the consumer ) gives an explanation of how the consumer can exercise that nondisclosure option. The credit agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. code 1681c ( a ) ( 5 ) says ... except as authorized under the subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ... .ANY adverse item information, other than records of convictions of crimes which means antedates the report by more than 7 years. My account has adverse items they are reporting without my consent/permission which is against the law. 15 U.S. Code 1681s ( A ) ( 1 ) says ... 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. 15 U.S. Code 1681e says... EVERY consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681XXXX of this title. XXXX & XXXX are not maintaining reasonable procedures. Lastly, 15 U.S. Code 12 CFR 1016.7 says... .a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TN)

A debt collection company by the name of NATIONAL CREDIT ADJUSTERS reporting an alleged debt on my consumer reports. I, XXXX XXXX am unfamiliar with this debt. I was not given enough information regarding this debt, and I was not given the opportunity to dispute this alleged debt. I was not given any disclosures regarding this debt collection company. NATIONAL CREDIT ADJUSTERS is ruining my reputation per 15 USC 1692d ( 1 ) parking this alleged debt on my consumer report with all three consumer reporting agencies. This company is giving off implications that they may be an attorney. This is reflecting on my XXXX consumer disclosure report. A violation of 15 USC 1692e3. This company is also not licensed to collect in the state of Tennessee. A violation of Tennessee Code 62-20-105. This is abusive deceptive behavior. This is not the first time this company has been abusive. This company has been sued regarding multiple offenses of abusive deceptive behavior.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I opened a secured credit card account with capitol on in XXXX, Today that account is closed and is now reading on my credit report as a charge off. I wanted proof of the 1099 used and I spoke to their accounting department and they informed me they didnt do one. It is also 7 years since that account has been opened they are continuously updating the account on my credit report.
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MD)

In XX/XX/2024, I requested a settlement on the {$3000.00} owed on my loan after the insurance paid over {$15000.00} toward the loan. My gap insurance was denied and Ally Financial told me they will not offer a settlement.