davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I opened a Secured credit card with Capital One XX/XX/2021. I sent in {$1000.00} for my credit limit. I have NEVER been late on my payments and have kept the credit utilization down as I purchasing my first home, that they have now impacted and I was denied. XX/XX/2021 I went through a third party to " reserve '', not purchase a hotel room. This company has a policy of matching a lower price and refunding 200 %, which they have failed to do, but there is an attorney dealing with that. I was charged {$270.00}, but paid {$190.00} with the hotel. Capital One is failing to refund my money. They are allowing this third party that I gave no authorization to use my card full access to my funds. This goes against the FTC policy. Capital One has closed my account due to me complaining and informing them that I would be filing a complaint with CFPB. I am a single mom, with a XXXX XXXX, during a global pandemic.
Consumer complaint received 2022-08-20
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. (CA)

I spoke to XXXX on numerous occasions about several accounts on my credit report that was a result of identity theft. Also I called the companies and they keep telling me that the information is factual. 

1. XXXX XXXX -This account was opened on XX/XX/XXXX, the account number that is listed on my XXXX report is XXXX in the amount of {$3100.00}. The company address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXXThis account was opened on XX/XX/XXXX, the account number listed on my XXXX report is XXXX. The company address is XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

3. XXXX XXXX XXXXXXXX - This account was opened on XX/XX/XXXX, the account number listed on my XXXX credit report is XXXX in the amount of {$780.00}. The company address is po box XXXX XXXX XXXX, NY XXXX. All of these accounts are due to identity theft and fraud. I need them to be removed from my credit report permanently.
Consumer complaint received 2021-09-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Long & Foster Financial Services, Inc. (GA)

On XX/XX/XXXX, I was notified via email from XXXX XXXX that my XXXX mortgage payment was not made. I responded to that email indicating it was paid and I have receipt from their payment vendor that it was paid, however, I do not disclose sensitive information via email and asked for a callback. No response to my email. I then called the servicing department multiple times and the call is not answered. I left voicemails that went unreturned. I called another department with Prosperity Mortgage and got someone on the phone twice. The first person stated that there was no manager available and then hung up on me. The second person said no manager was available and tried to call servicing but no one answered for her either. Im trying to clear this matter with Prosperity before something is erroneously recorded on my credit but I am receiving no help from Prosperity in doing so.
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (AZ)

DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Attention : XXXX XXXX and Equifax Dear XXXX XXXX, and Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : Equifax Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX Made by : XXXX XXXX XXXX XXXX on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made on : XXXX Made with : XXXX  Made by : XXXX XXXX Made on : XXXX Made with : XXXX Made by : XXXX XXXX Made on : XXXX 2019 Made with : XXXX
Consumer complaint received 2022-10-17
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number:XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number:XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiryXX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry:XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry:XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-12
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. (NC)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2020-10-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

Hi Sir, Greetings of the day.

I need your help in settling my lease account with NISSAN MOTOR ACCEPTANCE CORPORATION ( NMAC ), XXXX XXXX XXXX, XXXX, TX XXXX. 

I traded in my leased car ( from NISSAN ) to XXXX XXXX of XXXX, PA on XX/XX/2020. XXXX XXXX agreed to buy back the car from NISSAN by paying the residual value and outstanding lease payments. Accordingly, they sent the following payoff checks to NMAC : 1. 1st check was received by NMAC on XX/XX/2020 ( Amount- {$14000.00} ). This check was never processed. Hence XXXX XXXX had to cancel this check and send a new check. 
2. 2nd check was received by NMAC on XX/XX/2020 ( Amount- {$14000.00} ). This check is also unprocessed till today because of their negligence. 

I tried to call them multiple times to process the payment and close my account. Every time they give the reason for the delay is COVID 19 pandemic. They have an SLA of 15 days which they have violated already. They are very insensitive. 
Now they have moved my account to their collections department and I am getting harassed by the collection agents for payment again. Additionally, they are also charging late payment fees to my account. They are also threatening me that it will be reported to the credit unions. 

I am going through enough mental trauma for more than a month now. 

Please help me get this resolved as soon as possible. 

Thanks and regards, XXXX XXXX
Consumer complaint received 2022-07-27
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2022, I contacted my bank, USAA after receiving an e-mail and text message from them about possible fraud on my checking account. Upon contact, they told me that a new debit card was requested using my cell phone the prior evening. I told them I did not make such a request and my phone was never out of my possession. I understood there would be a three-day waiting period while USAA conducted an investigation. It's now over a week. 

I've called 3-4 more times between then and now and can not get the account unlocked to make payments I need to make, including mortgage, auto insurance, auto loan, and credit card. This is my money! These are all regular monthly payments that do not change, these do not even hint of fraud. People at USAA are polite, but are part of a bigger bureaucracy that makes no attempt to solve this problem with me and only tells me that they're filing requests to end this. At least give me a date when this will be over, but they don't even do that. 

USAA won't pay for my late fees, much less any of my bills. I'm one customer and I realise they can easily afford to lose me, but I truly thought this is a much better company than I've experienced.
Consumer complaint received 2022-06-27
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

I have been violated by CHASE BANK. They have committed acts of fraud against me. I have reached out to them via U.S. Registered Mail with return receipt that one of their agents had received all mail correspondence. I have attached a copy of the final communication from CHASE BANK, and they have admitted to fraudulently processing my credit card ( Also known as ) my social security card for an auto loan application. They have violated 15 U.S.C 1602p " unauthorized use ''. They have also violated Cal. Civ, Code 1572 Fraud along with several other violations. CACI No. 1800. Intrusion Into Private Affairs. CACI No. 1804A. Use of Name or Likeness ( Civ. Code, 3344 ). As a result of their fraud, my consumer credit report has dropped causing me to be denied from other credit opportunities and paying a higher interest rates. They has never had my permission or authorization you process my credit card. They can't produce any application with my signature or my consent for them to process my credit card aka Social Security Card. I am prepared to take this commercial matter to court to get my remedy. Also shown in the mail correspondence from CHASE BANK, they refused to respond in a sworn affidavit.

codes violated : CACI No. 1803. Appropriation of Name or Likeness - Essential Factual Elements 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 78ff - Penalties.
Consumer complaint received 2023-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Good day. On XX/XX/XXXX at XXXX I spoke with the person named XXXX XXXX the department handles those Program. After {$5700.00} down payment posted which they required me to pay in order for us to be qualified for the Repayment Plan. Per XXXX, i was approve for that program which im supposed to start paying, if im not mistaken around {$3900.00} on XX/XX/XXXX, but per him i still have until the XXXX of XXXX and will end up until XX/XX/XXXX. So i was convinced that everything are good to go. And on XX/XX/XXXX before noon just to confirm if we are on the same page ( Repayment Plan Program ) w/ same person named XXXX XXXX And finally, we have peace of mind. As days goes by on XX/XX/XXXX at around XXXX i spoke XXXX XXXX XXXX XXXX and confirmed about my Repayment Plan and she emailed on XX/XX/XXXX, proof of approved Repayment Plan program. And on XX/XX/XXXX i spoke with agent just to give them heads up that i will make a payment soon and told me that my my message to let XXXX XXXX XXXX XXXX to called me up but i missed XXXX XXXX XXXX XXXX calls and left message. I tried to call her back and on XX/XX/XXXX at XXXX spoke with XXXX and she told me that my Repayment Plan has been cancelled and i need to have another down payment for {$290000.00} again to enroll for that program and around {$3800.00} not sure amount figure to start on XXXX XXXX until XX/XX/XXXX and i said if she can let XXXX XXXX can call me up. On XX/XX/XXXX at XXXX : XXXX finally she called me up explained that my program cancelled due to improper way to enroll us. And i told XXXX XXXX if she can call me up on XX/XX/XXXX at XXXX and make a payment for another down payment and she called me up yesterday XX/XX/XXXX at XXXX and after i paid that amount, she is supposedly doing the right way my XXXX XXXX and it never went through. She found out that I still have my active assumption which i cancelled last year. she said that shell email the manager to expedite my concern. So frustrating, it might be a delay tactic or strategy. fir us to be buried for interest for delayed mortgage payment and the Manager will might between 2-3 days, So i tried my luck today at XXXX i spoke with XXXX, same thing nothing happen. So much stressed with them, theyre giving hard time, so difficult dealing with them. I thought last complaint we made, everything will cone up with solutions. Frustrating, discouraging, and stressful. We need help. So inconsistent, not updated. They need to be systematic and should be on top it. We thought, theyre there to help us but difficulties we always experienced with them.
Consumer complaint received 2021-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (WI)

Good morning I would actually like to petition the CFPB to make changes to the current law about demand letters. If a collection agency buys your debt and they legally own that debt and the debt is no longer owned by the original creditor, the debt collection agency should be required to send you an itemized bill of ALL debts in your name owned by them not just per the one creditor. I.e I received a letter from State Collections Agency saying I owe {$31.00} due to an unpaid XXXX XXXX bill. I call to make payment and the debt collector says no no no, you owe 8-9 different accounts and the balance of the accounts total are {$810.00}. Well if the creditor now owns all of these debts, you need to send a bill as you would receive from your wireless company or electric company saying this is what you were billed for this is your total balance- they dont just mail you a partial balance owed and then you call in and it be ok to say no you owe {$400.00} instead of {$100.00} like you thought. That is illegal and predatory practices and this actually needs to go to court. You dont get a half bill for any other debt you owe to a company. If you owe a certain debt collection agency {$900.00} you should receive an itemized bill for {$900.00} not one individual bill at a time to be FAIR.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I pulled my credit report and saw a collections account from XXXX XXXX XXXX XXXX for {$380.00} ) I notice my right were violated 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.
Consumer complaint received 2022-06-27
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: DISCOVER BANK (CA)

My identity was compromised by a XXXX Scammer in XX/XX/XXXX. He used my information to open 3 major credit cards without my knowledge or consent. These were all new cards. He applied online without my consent or knowledge or my signature. I did not gain financially at all from this action. He conducted Balance Transfers by using these new credit cards. The transfers began in XXXX of XXXX. I was not aware of this at all until I started to receive statements. I was coerced to make some initial payments until I was aware these were all fraudulently done. I have not gained financially from their use. I was never aware of these cards. He acted solely for his own financial gain. I have filed reports of fraud with the local Police Department, the FTC, and the FBI. I should not be held liable for any payments to these accounts. The balance with XXXX XXXX is now {$14000.00}. The balance with Discover is now {$17000.00}. The balance with XXXX XXXX is now {$52000.00}. These balances are all approximate. The activity on all credit cards was done approximately between XX/XX/XXXX - XX/XX/XXXX. Each actual credit card company has the complete dates and amounts that were conducted as Balance Transfers.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I declare under penalty of perjury ( under the laws of the United States, if executed outsider of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, i certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made.I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in cresting some accounts. All are being investigated by the FTC