davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached XXXX XXXX XXXXy XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my XXXX communications to BMC XXXX that the ONLY/SOLE communication be to XXXX. XXXX XXXX XXXX clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. 

Each of these 50+ communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( XXXX ), all insurance denials and the name and address of collectors you have used. ''
Consumer complaint received 2022-04-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

IN REGARD TO INACCURATE INFORMATION REPORTED ON MY CREDIT REPORTS, I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES. IN REGARD TO THE RESULTS, I NEVER RECEIVED ANY NOTIFICATIONS. IT'S BEEN OVER 30 DAYS NOW. I SUBMITTED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND RECEIVED NO RESPONSE.
Consumer complaint received 2022-02-02
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 (LA)

I opened up a dispute XX/XX/2022 concerning the Capital One account listed on my credit report. It is indeed my account. That was not the reason for the dispute. I disputed the item because I notice a violation of the FCRA exclusions section 15 USC 1681a 2 exclusions states that TRANSACTIONS and EXPERIENCES do NOT go on a consumer report. 
XXXX is responsible for reporting correct and accurate information and they are continuously reporting things that shouldnt be reported. I disputed and received a response today stating that the item was verified by the furnisher. Which doesnt give the furnisher nor XXXX the right to violation FEDERAL laws and at this point its WILLFUL NON COMPLIANCE of the law which is a {$1000.00} fine each time you keep reporting this. I am seeking a lawyer for representation in this matter as I will be suing if they dont comply with the law.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Summary : This is a complaint about the American Express golden card. I complain about two following things - 1 ) I didn't get the welcome bonus from American Express even though I already spend the required amount of money in the required timeframe ( {$4000.00} in 6 months ). This is a very severe problem that the bank record is not aligned with my personal spending record and they are not willing to share further detail. 

Here are the details : - The account started on XX/XX/XXXX. Based on the welcome bonus, if I spend {$4000.00} in 6 months, I am qualified to get XXXX points. 
- I tracked my spending ( see attachment ) and it clearly shows that I spent more than {$4000.00} from XX/XX/XXXX to XXXX, XXXX XXXX. 
- I also talked to customer service people 3 times. Each time they mentioned that they can also see I spent more than {$4000.00} on their end. However, the final decision is made by the " complaint team ''. Based on the investigation from the complaint team, I am not qualified, without any further reason. 

2 ) Bad service : I tried to resolve through customer service 3 times, each time the customer service people can see I spent more than {$4000.00}. But the investigation result from the " complaint team '' still tells me I'm not qualified. 
Also, on the last complaint, I filed on XX/XX/XXXX. They said the manager will call me back with a final response within 48 hours. After one full week until XX/XX/XXXX, I didn't hear back from anything.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (CA)

Hi my name is XXXX XXXX and im an victim of identity theft. I tried to handle this issue with credit bureaus but no help there .Someone applied for a credit card under my name and it shows on my credit report.Creditor sends a result of investigation as everything is accurate so im attaching the documents I sent to bureaus this account does not belong to me.Also another account that shows late but that late wasn't my fault and I notified the company too .I sent them my XXXX XXXX XXXX results that I was in hospital and before that I sent my payment by mail and I don't know why they returned the mail I sent so it was not my fault to be late.
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All XXXX Bureaus collectively have refused to issue proof or methods of verification for items I have disputed with them. They continue to send what is seemingly an automated response without addressing my questions or concerns. 

Instead of providing the requested info they keep stating that it has been verified or previously handled. No additional information for methods of verification or proof of an investigation at all. 

Per the FCRA SECTION 611 ( SCREENSHOT PROVIDED ) I am allowed to submit a request a description of the reinvestigation procedure. It should be granted the first time without me having to file complaints.
Consumer complaint received 2022-04-05
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: CREDIT ACCEPTANCE CORPORATION (NY)

Credit Acceptance Corp pulled a copy of my credit report today according to an experian alert I received. I did not authorize this, and in fact am restricting this company from anything to do with my personal data.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

The credit bureaus Experian, XXXX did not follow the law, I have disputed accounts and personal information and Experian had updated Dispute accounts to addresses was use for Identity theft. According to the 1970 Fair Credit Reporting Act these unverified, incorrect and unauthorized addresses must be removed ASAP
Consumer complaint received 2021-09-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/XXXX, I visited a local dealership with a pre-qualification letter through Capital One. I asked to only have my credit ran through the Capital One bank, as that was the only bank/creditor that I was willing to work with. The salesperson said that it would only be checked with Capital One bank. I received an alert through Capital One that I had inquiries of multiple banks, such as XXXX XXXX. I did not authorize this inquiry. If the dealership was unable to confirm whether or not they were only able to run the credit transaction through Capital One, they should have informed me prior to the credit transaction. Neither the sales person, nor the sales manager on duty, explained that they would not be able to only run it through one bank. My concern is that I have multiple hard inquiries on my account from XXXX XXXX, XXXX XXXX XXXX and the XXXX XXXX XXXX. Only the dealer and Capital One financial should have been authorized. On the Capital One pre-qualification letter, it states : " Let the dealer know to submit your application to Capital One, which will match your pre-qualification and will impact your credit score ''. 

I did mention this to the dealer and it was neglected. I found this to be misleading on Capital One 's behalf, as they said that my credit would only need to be ran through Capital One Auto Financing. Also, I was under the impression that Capital One would be able to " match '' the amount in which I was pre-qualified for. The interest rates/APRs were too high and I wish that this had been construed better prior use of the pre-qualification letter.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (IL)

My bank changed my account numbers so that I could not access the money. My app pulled up 1 new card numbers that I do not have access to. They changed my account/ card numbers without my knowledge. I need assistance now. The XXXX was XXXX and they made it so that I could not touch the money. I cant touch my money. The bank also changed my Address information when I made the other complaints so my information could not be found in their system.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Our family has been hit hard tremendously by XXXX XXXX. We have XXXX XXXX who had XXXX and one was in and out of the XXXX  and XXXX suffered long term long damage. In XXXX of 2021 my XXXX and I both XXXX  XXXX  with in a week of each other and we're hospitalized. I XXXX  my job ( a job that has still not reopened and had to take a job for a quarter of the pay ). I have sent my application for assistance in 2 times. Each time wells Fargo XXXX XXXX me applications I returned all my paperwork in the enclosed envelopes. The first time being told they didn't have it and you're do it. I did the paperwork again. Only for them to send our mortgage to a foreclosure attorney. The reason being is while we were on a deferral the mortgage " matured '' and we'd have to pay over XXXX dollars in a lump sum. Why would you continue to defer a mortgage and not notify us that by doing this and the mortgage maturing a large lump sum of money would be due. Since not hearing anything from Wells Fargo I have since applied for state help. Which Governor XXXX just opened up to the public on XX/XX/XXXX. How can you foreclose when the state I live in just started the application process for funds to be applied for for help?? Which my family is absolutely a candidate for as we are a family of 4 who earns way under XXXX dollars which is the amount needed to quality. If wells Fargo team our tax records which they requested they would see this. See we had a huge drop in income from previous years.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (KS)

Case number XXXX On XX/XX/2021, at XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX ks XXXX Can you explain to me how a Mildland has tried to falsify a debt thats never existed? I made all payment s on time last payment which brought my account to XXXX was on XXXX XXXX the account was closed due to inactivity. But I owe nothing my balance is XXXX and everything then a year later midland makes a falsified account. I never even had a late payment. I would like this removed and actions taken against them for falsifying information and for the slander that they have put towards my name I would also like the credit inquiry from either XXXX  or XXXX removed if one exist. So for XXXX  years this company has wrecked my credit and name. Im going to need monitary compensation due the the harm they have done plus its criminal activity fasify documents and harassment slander impact on my credit.And {$750.00} is not enough. I see I have grounds for a lawsuit
Consumer complaint received 2022-04-05
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. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

I PULLED MY CREDIT REPORT AND I NOTICED ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT MINE AND UNAUTHORIZED. I FILED A POLICE REPORT IN XXXX XXXX, NV, AND I FILED A COMPLAINT WITH THE FTC. I AM A VICTIM OF FRAUDULENT INFORMATION. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING UNAUTHORIZED INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE MISINFORMATION CAME TO TAKE PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY PERSON/PERSONS/OR ENTITIES THAT MIGHT BE RESPONSIBLE. I HAVE NOT RECEIVED ANY MONEY, GOODS, OR SERVICES AS A RESULTS OF THE DISPUTED MISINFORMATION XXXX XXXX CREDIT CARD ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT. 
IM ASKING EQUIFAX TO REMOVE THIS ACCOUNT IMMEDIATELY. DATE OPEN XX/XX/XXXX. 
INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXXXXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX  XX/XX/XXXX INQUIRY : XXXX XXXXXXXX XXXX  XX/XX/XXXX INQUIRY :
Consumer complaint received 2022-07-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (FL)

On XX/XX/XXXX I was offered a modification from Village Capital. I began to pay the trial modification payments. The trial was to end XXXX, XXXX. I have continued to pay the trial plan. My loan began with Village Capital, transferred to XXXX and transferred back to Village Financial XXXX. Since the trial period ended I have continued to pay the trial payments. I have called multiple times to ask for the agreement in writing as I was paying and had no written agreement in place. They continuously advised that I continue paying and the paperwork would be generated. Today I received a letter stating I have to reinstate over {$15000.00}. I then called and asked for an email where I could sent a research request to figure out where my money had went. I called twice and each time was given a different email address for the request. XXXX and XXXX. Both emails came back undeliverable. At this point, Village Capital will not even tell me what is going on. The email I tried to send is below : o Whom It May Concern, Please accept this as a written request for information. We are concerned about the adherence to the Truth in Lending Act, Fair Debt Collection Practices Act and the Coronavirus Aid Relief and Economic Security Act. If we do not receive the following answers, we will have no choice but to report this to the Consumer Financial Protection Bureau. Please see timeline and questions below : In XXXX, XXXX XXXX XXXX 's file was with Village Capital and he was approved for a loan modification ( please see attached ). Since this approval XXXX XXXX has paid every month the trial payment. 
Since the trial plan was offered the servicing of this loan has transferred from Village Capital to XXXX to Village Capital, XXXX. We will need to see where all payments have been applied, which entity collected payment and how the payments have been transferred to each servicer. 
XXXX XXXX has now made 8 modification payments ; we still do not have any paperwork with a written agreement. We have requested the agreement multiple times and have been unable to get anything in writing. 

Please advise as to the status of the modification documents and a transaction history for this file from XX/XX/XXXX to present day ( XX/XX/XXXX ). We believe enough time has passed with XXXX XXXX making payments based on verbal communication. We look forward to your response within the next 30 days or we will be forced to involve the CFPB. Thank you. 

Please help me. Village Capital has been collecting payment for 8 months and is now saying it was not received. They have refused to send me any paperwork for the past 5 months. I have tried to work with Village but they will not give me an accurate email address and ignores my verbal requests.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (MD)

Dear Sirs, Upon obtaining a copy of my credit report, I noticed there are inaccuracies being reported. I reached out several times to get these inaccuracies removed. I would appreciate the following items being investigated as soon as possible. According to the United States of America Fair Credit Reporting Act. My rights are being violated. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A. States a Consumer reporting Agency can not furnish a account without my written instructions. 
15 U.S.C 1681 section 604 A. I have never had any credit transactions involving these consumers. 
XXXX XXXX XXXX : Acct XXXX. {$2000.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX {$920.00}. XXXX XXXX 
XXXX XXXX XXXX : Acct XXXX. {$3300.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX Acct XXXX. {$2400.00}. XXXX XXXX 
XXXX XXXX XXXX XXXX : Acct XXXX {$13000.00}. XXXX XXXX 
XXXX XXXX : Acct XXXX {$460.00} XXXX XXXX 
XXXX XXXX XXXX XXXX : Reference # XXXX Year XXXX.
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV INC. (OR)

XX/XX/22 XXXX XXXX ( XXXX XXXX XXXX ) took {$250.00} from my checking account. No idea how they got my routing number. I contacted my bank on XX/XX/22 and account was closed immediately. Now XXXX has reported the charge to a collection agency. They have since sent letters, made phone calls etc. I told the credit agency, TRS XXXX XXXX XXXX XXXX, that the debt was not mine. They insisted it was and would not give me or send to me documentation to support their allegations. I refused to provide any further information but these people have my name, address, phone number and I feel threatened by their actions. I XXXX years old live on a limited income and really don't know how to deal with these people
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

My initial student loan was {$50000.00} from XXXXXXXX XXXX in XXXX, It has been moved and interest has been compounded and capitalized at least 3- 4 times. I had no idea of the brevity of the interest and it was never explained in an upfront and conspicuous way what this was actually costing in terms of real numbers. 

Right now, none of these organizations Netlet, XXXX XXXX or Greatlakes can explain what the interest rates were, how and when they were applied. Theres this growing empty slug of debt with no paper trail, no responsible parties disclosing, explaining or having knowledge of how it came to be. They have no information to substantiate or justify these charges. I cant even get information to ask or understand what happened. 

As a consumer, I had no idea this was happening. My student loans with the last servicer are at {$110000.00}. My account gets wiped to zero with one servicer and passed to the next one I have been promised a reset, forgiveness and ability to repay program nothing actually happened except more interest and passed to the next one. 
Final note : consolidation has always been a condition for assistance and all I have is more interest. PLEASE HELP!!!
Consumer complaint received 2022-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 


Late payments with Capital One credit card : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

I have had multiple denials from fraudulent activity with cash app. They will not refund me. I have attached a letter to the ombudsman. Please let me know if you need anything else. Thank you for your time. XXXX XXXX