davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK (FL)

I have been shopping around the past week for potential loan options for home improvements. On my credit report you will see many soft pulls which I agreed to as the websites ( through site disclaimers ) or contacts I was working with explicitly confirmed that the application or written consent was for a soft pull which would not impact my credit score. From a XXXX search, I clicked on a link and redirected to a website for Discover Home Loans. I proceeded to fill out information in the application. On the page where I must consent, one of the disclaimers that I had to agree to for them to obtain a credit report. However, I know from shopping around that obtaining a credit report does not warrant a hard pull to my credit, and I was initially cautious. Before I consented, I thoroughly browsed the site to see if anywhere they noted that agreeing to the consent form was in fact a hard pull, but there was no verbiage whatsoever that I could find. So I consented, and immediately after I got a notification of a change to my credit score. This was rather infuriating, as someone who has been pretty diligent to only focus on soft pulls, to be deceived by a site that did not fully and properly disclose that I was consenting to a hard pull of my credit. I called Discover and tried to press my case but they argued that unfortunately there was nothing they could do and I agreed to a hard pull of the credit report. However, I have a screenshot of their consent form area, and it says " obtain a credit report '' which does not by any means translate to a hard pull knowing that " obtain a credit report '' is ambiguous and could also mean a soft pull, like I have done with other lenders while shopping around. Having an education background in marketing, I find this to be a deceptive marketing practice, and I am guessing other may have had the same experience not knowing how to address this. I feel site must clearly designate whether an application will result in a hard or soft pull and a protection to consumers.
Consumer complaint received 2022-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

XXXX XXXX  account XXXXhas mishandled my Consumer Reporting Disputes, which has prevented me the consumers From Exercising Debt Collection Rights. I dont know who this company is and I didnt give consent for my information to be released to XXXX XXXX 

They need to end this illegal credit reporting and debt collection practice. This debt is holding me hostage from getting a new vehicle for my family and it is effecting the way I am living. I dont believe its fair. 

Also effective XXXX XXXX 2022 no medical debt should be in a consumer report.
Consumer complaint received 2020-05-12
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-05-13
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: ONEMAIN FINANCE CORPORATION (AR)

ONEMAIN KEEPS PULLING PROMO INQUIRIES FROM OUR XXXX  AND XXXX, AFTER OPTED OUT.FURNISH LETTERS FROM XXXX  AND XXXX  STATING THAT WE ARE REMOVED AS SUCH. XXXX XXXX, XXXX XXXX, AND 5 OTHER CLASS ACTION MEMBERS.
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Around the beginning of XXXX of XXXX, I sent DMV paper work along with a Check of approx. {$360.00} to my car lien holder capital one. Capital one forwarded everything to the XXXX  DMV. I was trying to transfer my car registration to the State of XXXX. 

In XX/XX/XXXX, I decided to cancel the whole process to save myself a little money just in case I end up going back to XXXX  so I figured Id wait it out. 

End of XX/XX/XXXX, XXXX  DMV sent back all the paper work along with a refund check for the amount mentioned above back to Capital One. 

End of XX/XX/XXXX, I received the paper work from capital one but with no check. 

I have called capital one numerous and I have been getting various responses regarding the status of the check. And here is some of them : 1. The check would be mailed out to you separately. 

2. Your check has been forwarded to corporate office for processing. 

3. DMV did not send your check and all we got was whatever we sent you. 

4. Please call title services department.

5. Please call corporate office.

6. Please check with DMV because we they said they will send you the check. 


On XX/XX/XXXX. I called XXXX  DMV and they confirmed a check was issued to Capital One and the only way to issue a replacement check is if capital one sends a written request explaining that they never received the original check and DMV should issue another one. 

Capital one is not being transparent and it is a shame having my auto loan through them. 

Today XX/XX/XXXX I received a letter in the mail from capital one ... the cover page is addressed to me, meanwhile all the other pages belong to someone else. If this kind of mistake is easily made, no wonder my check is no where to be found.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I'm still in shock the way Capital One Credit Card representative tricked me to loose money but not telling right information on time. Surprised Capital One does to its customers like this, instead of helping they tricked me. I'm in shock. 

I have Savor Credit Card ( Annual Fee and 4 % rewards ), today I have contacted Capital One to change the card type to free option ( assuming that I'll get a refund prorated refund for the annual fee I paid and switch to no annual fee card ), they I told me I can switch to Silver card ( no annual fee ) and I agreed but I have asked them about refund of the existing card, she told me first she switch the card to Silver then will look into refund. After switching card to Silver, she told me I won't get refund as I paid it on XX/XX/2020 and 40 days passed to get refund, so I lost Savor Card benefits ( 4 % ), lost my annual fee and I got a new card with less reward card benefits. I'm sure she would know that I won't get refund and she could have suggested me to stay with existing Savor card until next year ( at least I can get better rewards ) switch to silver when I have to renew the card, instead knowingly she upgraded my card, after that she told me no refund. I lost annual fee and better rewards. A good company representative will present right information and would have recommended to customer for better option to win but not to loose. I'm still in shock the way I have been tricked. 

Date : XX/XX/2020 Card Type : Savor to Silver ( with loose option ) Annual Fee lost : XXXX $ Rewards lost : 4 % I'll never business with Capital One, I'll cancel the new SIlver card as well.
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Chase closed a claim with the CFPB without addressing 2 main concerns of the case. CFPB Case XXXX 1. XXXX shows that the case was in my favor. They keep saying that " the merchant '' provided them evidence against my favor but, as Chase said themselves that was in XX/XX/2020. The XXXX final decision was in XXXX. 

2. XXXX stated to me that they sent the money to Chase and that I need to work with Chase to recover my funds. In the the CFPB claim, Chase stated " We are not able to dispute this item any longer please work with the merchant to recover your funds ''. However! XXXX has stated " At this time, the cases both show as a debit status meaning the funds were collected by the credit card company. There is no further action XXXX is allowed to take at this time. '' Please pay careful attention to this. Both XXXX and Chase are giving me conflicting statements. 

To be clear, my previous case involved an international transaction where the seller sold me an item through XXXX gift which has no seller protection. Chase is using outdated information to deny me the case.They keep giving me the run around saying " there's nothing we can do, please contact XXXX '' when XXXX is telling me to contact Chase. Both of these companies are passing the buck and I need intervention.
Consumer complaint received 2020-05-12
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Blackwater Capital Group LLC. (NV)

This debt collection agency contacted my job. When asked why they contacted this number the rep stated because they had it on file, I spoke to this company once before and informed them only contact me on my cell phone. When i asked the rep what this call was regarding the rep did not provide information outside of " we are contacting you about a personal matter '' I asked the rep multiple times what this call is regarding because he finally told me where he is calling from and the reason he was calling. When I informed the rep that this is my work line and I can not have personal phone calls on my work phone the rep asked for a good time to call back, i took down the reps name and phone number to call back when i am available. the rep continued to asked for a specific time and day to call back. I told the rep due to my work schedule I can not provide the exact time and date. the rep then stated that he will just call me back at this number. ( after i stated i can face termination for having personal calls on the clock ) The rep hung up before clarifying a good contact number. I am very upset with the lack of professionalism. I also find it very tasteless for a company to be reaching out to collect debts when there is an entire pandemic going on that is putting people out of a job. and to show now regard by risking my job by contacting me regarding personal matters at work. 

the company is blackwater capital the rep is XXXX phone number XXXX
Consumer complaint received 2020-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Tranunion LLC didnt respond my letter Dated on XX/XX/2020 After couple months, they responded my letter of XX/XX/2020 and they came back to me saying that they wont make a further investigation. Please be advised that this is my second letter telling them That they didnt respond my letter within 30 days period dated on XX/XX/2020, I am enclosing a copy of a letter that I mailed to the company via certified mail requesting that they verify the alleged debt the company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2020 approximately. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

This letter is a follow up to my original letter dated [ XX/XX/2020 XXXX regarding an inaccuracy in the credit reporting, regarding the entry being reported under Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Late Payment XXXX   XXXX Unverified Account XXXX XXXX XXXX Unverified Account By not replying in a timely manner to my initial letter on they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that they immediately delete this information from my credit reports. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My report shows a credit inquiry from XXXX XXXX XXXX on XX/XX/2019. No credit inquiry was authorized. This item is either a fraud attempt or an error. Please remove this item as was requested earlier.
Consumer complaint received 2020-05-12
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: AES/PHEAA (OH)

I have contacted the loan companies to report credit history on all accounts along with payment history. The loan companies are all student loans not installment loans and have never been late. The companies initially made the corrections to the accounts but someone keeps going back and removing the corrected information them as they are correcting them within the reporting agency system.
Consumer complaint received 2020-05-12
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. (OH)

I have contacted the loan companies to report credit history on all accounts along with payment history. The loan companies are all student loans not installment loans and have never been late. The companies initially made the corrections to the accounts but someone keeps going back and removing the corrected information them as they are correcting them within the reporting agency system.
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander quoted me a payoff. They over estimated the amount. I received my title but then I received a debit card in the mail with the {$12.00} credit that was overpaid. The debt card comes with the agreement that there is a $ 3 monthly fee. In order to call them to ask a questions regarding this account, you are printed to activate or hang up. If you activate then you are bound by the new debt agreement and I dont want to be. Also, they list a phone number for the consumer protection bureau of ( XXXX ) XXXX but that is a non working number. I would just want a check sent in the mail and not a debit card. If the debit card was able to have cash taken out of an atm then it would be fine but it says you can only make a purchase with that. Its not my problem that I over paid. I paid the proper amount and now they limit the amount of options I have to reclaim the money they owe me? Thats not fair.
Consumer complaint received 2020-05-12
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. (AR)

I requested in writing proof of debt for XXXX XXXX XXXX. I have been in federal XXXX and they claim I owe this debt even though at the time I was in XXXX. It has been removed under different collection agencies several times. I never got a reinsertion notice nor proof of debt as per the fcra. I have multiple physical letters as well as online disputes. They offer me no proof. Ever.
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III (CA)

Allied Collection Services. XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX A notice for collection of debt. Dated XX/XX/2020. 
A total of XXXX dollars. 

Phone calls were received and a letter with debt collection notices was obtained. This is false. 

By calling the California Attourney Generals office we were instructed to send them a letter asking for true information about this debt and a cease and desist if this is false which we believe it is.
Consumer complaint received 2020-05-12
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Shermeta Law Group, PLLC (MI)

I received a Garnishment Disclosure and Notice of Income Tax Refund Used for Debts form the Department of Treasury both on XX/XX/2020. Both are dated XX/XX/2020. As pursuant to the Covid-19 relief act no wage garnishments are to be made. How do I go about protecting my rights? 
This is for a 20 year old debt and they are taking my Michigan tax return.
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Veripro Solutions Inc. (OH)

In XXXX we got a second mortgage with XXXX  XXXX XXXX. We got behind in XXXX and it was sold to XXXX they applied interest to the loan and it became XXXX. In all it was put into Veripro Solutions they now say that we owe XXXX. At this time we have offered to pay XXXX to settle and also XXXX they wont agree. I received a letter stating that if we don't pay in 60 days they will place interest on this loan and we will owe XXXX on the loan .. We just want to settle with them but they keep putting more interest and wanting us to pay more to settle .. I have all documentations of the events.
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX Account # XXXX has been paid and closed since 2016 but on my report, this is still showing that it is 30 days late. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

I have contacted WAY2GO customer service line for 2 weeks now, I asked for them to replace my Unemployment Debit card and they sent a replacement Child Support card, Now for the past 3 days I have called several times each day. Today I was waiting for over 4 and half hours to speak to someone and yet still got no one. I finally hung up with frustration. I have close to 2,000 dollars on my unemployment card and I can't even access it!!! This is ridiculous! I have tried contacted other companies and its a dead end! I just want my card replaced!!!
Consumer complaint received 2020-05-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (IN)

I contacted Navient, I notified them that this account was identity theft. I also submitted certified letters, affidavit, police report, driver license, social security card, a copy of my identity theft report, a copy of notice of furnishers, a copy of 605B, asking them to please remove this account from my credit report. I have gotten no response. I have made phone calls and sent follow-up letters. last one sent XXXX/XXXX/20
Consumer complaint received 2020-05-13
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. (GA)

Experian failed to investigate the inconsistencies I pointed out to them within 30 days ( section 611 ). These are a violation of my FCRA rights ( section 623 ). There is no way possible to say Experian verified an account while it is still reporting inconsistently. I exercised my FCRA rights under section 611 and requested a method of verification of their reinvestigation.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the fair credit report act XXXX XXXX XXXX XXXX acct. numbers not listed, US Dept Of Education acct. # XXXX and US Dept Of Education acct. # XXXX, XXXX XXXX acct. # XXXX, Get It Now acct, # XXXX, XXXX XXXXt. # XXXX, XXXX acct. # XXXX, has violated my rights.

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

15 U.S.C 1681Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.