davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had my Capital One credit card for over 10 years and never missed a payment. During the Covid-19 pandemic, I called Capital One and told them I would be late on payments as the Pandemic had cost me my job due to a state-mandated shutdown. Capital Ones response was for me to make any payment I possibly could afford, and if no payment was made that I could send a hardship letter at a later date to have negative items removed from my credit report. 

I complied with Capital Ones request until I contracted the virus in which I was hospitalized and suffered physically for months. Once I recovered I contacted Capital One and was told my account was delinquent and has been closed for nonpayment. Despite our verbal agreement during the Covid-19 pandemic, I also discovered that Capital one reported every late payment to all three credit reporting agencies, and I was told no agreement was noted on my account. 

On XX/XX/XXXX I was told to send a hardship letter to Captial One via mail, I complied, and once again, I received a response letter stating that Capital One does not remove negative items from credit reporting agencies due to hardship. 

Although the account was closed, I have made payments to bring my account current. On a daily basis, I receive harassing phone calls from Capital One trying to collect on a debt that is already set up for a payment plan through Capital One. When I tell the collectors to stop calling me as I have already set up a payment plan, they apologize and assure me that my name with being removed from their collection list, this has turned out to be untrue, as they call me every day with the same empty promises. 

10 years of perfect payment history, on an account that had a credit limit of {$700.00} and minimum payments of {$25.00} per month, and due to a pandemic that was out of my control Capital One deems fit to destroy my credit, all while ignoring Government policys such as the C.A.R.E.S Act which President Trump signed into law on XX/XX/XXXX, this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances, in which I complied. 

While Capital One is a large company with billions backing them, I do not believe this should supersede the well being of their customers, at some point large corporations need to be held accountable and comply with laws and policies set forth to protect people from credit demise during pandemics and other monstrosities, we have no control over.
Consumer complaint received 2021-04-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: 2288984 Ontario Inc. (DE)

On XX/XX/21 an alleged process server went to my job i was notified spoke to the individual they said they were hired to serve me for a same day case at 2 different address one in nc which i hadnt lived at in four years well before the alleged debt took place. She gave a a phone number and case number i contacted the individual and they said that once the process server got to me they would immediately start a garnishment of 52 %. I made an arrangement out of fear that i wouldnt be able to provide for my family
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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Consumer complaint received 2021-04-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MD)

This company XXXX XXXX XXXX, sent me an email stating that I owed {$3200.00} from Ace Cash Express on XX/XX/XXXX. First of all, I don't have an account with these people and haven't obtained a pay day loan from them. I called the number on the email XXXX Ext.XXXX  and spoke with someone by the name of XXXX . She informed me that this account was created on XX/XX/XXXX and the email attached to the account is XXXX. 

After hearing this information, I immediately contacted my attorney at XXXX XXXX XXXX XXXX XXXX, attorney XXXX XXXX and she researched the information and informed me that it is a scam. Not to give them any information but to report them to Consumer Financial Protection Bureau and that is what I am doing now. This is terrible how people obtain your information and use it against you. They need to be stopped and prosecuted.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

I have never been late on a AMEZ bill since having the card since 2017 this card was also canceled or should of been canceled almost three years ago now my ex and I had a joint account and she had charged my card up after breaking up with her, and this would be impossible because I have my own Amex card under my own name which would not be allowed if not paid in full!
Consumer complaint received 2022-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CO)

On XX/XX/XXXX, I requested a refund from Nelnet for payments I voluntarily made towards my student loans during the COVID19 forbearance period. The total refund requested was for a one-time payment of {$5000.00} made on XX/XX/XXXX. I am entitled to this refund as per the CARES Act. I am worried that my refund request has somehow been lost, as I now know multiple people serviced through Nelnet who requested refunds far after my initial refund request who have already received their refunds. When I call Nelnet, they repeatedly tell me that my refund request is " processing '' and are unable to offer me any additional information. It has now been nearly 8 weeks since my request, when Nelnet representatives have quoted me an approximate 4-6 week turnaround time. I understand they are currently inundated with refund requests, but something does not seem right here. I am submitting this complaint in order to at the very least receive more information from Nelnet about the status of my request.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX, XXXX XXXX does not belong to me.
Consumer complaint received 2022-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (VA)

Ive made payments to my loans during the COVID CARES Act of the pause between XXXX of XXXX to XXXX of XXXX have reached Aidvantage ( my federal student loan provider ) approximately 5 times since XX/XX/XXXX regarding a refund I am owed. They did not process my request until XX/XX/XXXX, when I prompted another call back. The information has been so confusing - theres been a XXXX week timeline, XXXX, and now XXXX. Whenever I ask customer service there is no new information just that its coming. I am owed this money as a refund back to me and am tired of being dragged around and getting no information.
Consumer complaint received 2022-01-25
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: SYNCHRONY FINANCIAL (CT)

On XX/XX/XXXX I had a pending balance, it was still pending on the XXXX. when my statement cut. On XXXX XXXX, XXXX they reported this balance when I made a payment on the XXXX. in full. I called, it was corrected and reported as 00.00 A week later it was reported again during a statement cycle of XXXX I submitted a correction with XXXX XXXX  that it should be 00.00  On XXXX XXXX, XXXX it was submitted as XXXX. This is during a cycle, no statements were cut between the XXXX and the XXXX. They keep reporting all my balances before due date. This has in turn brought my perfect over XXXX credit score down by showing an open balance on a card. I pay my cards in full each month before due date, all of my cards. This is the 3rd time I had to call them. I have only had the card since XX/XX/XXXX. How is this legal, ethical or lawful? It is not! You can not report a balance before the due date, let alone while purchases are pending. I want this corrected and I want it corrected so it never happens again. How many others who don't watch their credit like I do has this happened to? My next step is a class action lawsuit. They have gave me anxiety of what my report will look like. This is not legal! Verizon credit card, Synchrony Bank is the holder.
Consumer complaint received 2021-06-23
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. (FL)

XXXX CARD - XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2023-05-21
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)

On XXXX I submitted a complaint for Credit reporting Improper use of my report and The credit bureaus stated the following accounts ; XXXXXXXX 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 XXXXXXXX were properly investigated, however how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. My rights were violated under 15 U.S.C 1681 Section 604 Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc (GA)

There was an alert I received from XXXX of a new credit card line called AFFRIM INC. with an address attached that I have no knowledge of. I called and placed a freeze on my account with XXXX. Disputed with fraud dept at XXXX for address linked to AFFIRM , INC account opened and for Address I have never lived. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I contacted AFFIRM, INC. they were not able to search me with all my correct information. Fraud Report was created there as well. 
Date account was opened was XX/XX/2022 and states there is a balance of {$270.00}
Consumer complaint received 2023-05-17
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: Nelnet, Inc. (DC)

I have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number 2. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all 18 active federal student loan accounts noted at department of education/ nelnet off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. 

XXXX have reported 18 active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of Education/ Nelnet . I do not have business or contracts with Nelnet. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Experian listed my XXXX expenses as {$7500.00}, which is almost twice my net income. This is also completely false. I have been paying down debt aggressively. Although my debt to credit ratio DECREASED, Experian dropped my credit score by 26 points. When I called them to ask why, the customer service rep stated that it was because of my debt to credit ratio, completely ignoring the fact that that ratio had decreased. I asked why they are reporting my expenses so high and they were unable/ unwilling to answer. 

I believe they make these false claims to get you to purchase their ''membership '' so you can fix it. However, even doing that will not allow you to dispute their false information. Since this is not a creditor reporting an account, I have nothing to dispute, it's EXPERIAN that is providing the false information and refusing to correct it.