davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (GA)

I applied for a Citi bank credit card And received a reply that they could not verify my address when I fact the address is recognized by the Fed govt,  Social Security, XXXX XXXX XXXX, state of Ga, my 3 credit card companies and My personal bank they asked for copy Of drivers license then then they wanted Proof that phone # was mine which I Provided then after all of this I wrote Them and they finally came back with The excuses that I did not have enough Open lines of credit ( even though the Lines I had open all reported perfect Payment history ) the lines of credit Were not old enough and horrors upon Horrors I had applied for someone Elses credit card To sum it up every time I met their re- qirements they came up with another Excuse A shabby way to treat a potential Customer and most unprofessional
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Called in want to use my card they will not allow me to use money ive paid still asking for payment called in they will not allow me any access without front and back of my drivers license never contacted me via mail to advise or anything. Unacceptable and also not okay to require payment and not allow card to be used.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

This is an amendment to my earlier complaint ( complaint id # XXXX ) in which Wells-Fargo changed the terms of the refinance request. When I filed my complaint on XX/XX/2020 I had already told the mortgage agent to cancel my request, refund my money and " do not do the deal '' because he was changing the terms of our loan request. Never the less-on XX/XX/XXXX, at XXXX, CST, not only did Wells-Fargo go ahead and lock me in for an interest rate and term I NEVER approved, then they willfully and unlawfully charged my credit card for the cost of forcing a loan on me that I neither approved nor wanted. I have since had to file a disputed claim with my credit card company ( ironically, Wells-Fargo ) against a fraudulent company charging my credit card-which in fact is Wells-Fargo. I called the Wells-Fargo representative four times yesterday to get satisfaction to this matter but have received nothing to date.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (IA)

I stayed at the XXXX hotel in XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/2019 where I was there to interview for the company. I paid for a hotel room and filled out an application for employment both electronically and in person. I was denied the interview for employment for a good paying job at $ XXXX hourly wage. Then there was no follow up for the reason why it occurred. Please note : follow up with me in person because I have a state issued identification along with my social security card.
Consumer complaint received 2020-02-13
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. (IL)

I have repeatedly disputed inaccuracies on an account named XXXX XXXX on my Experian credit report. Experian has responded that they verified with the creditors the account information. However that can not be true because XXXX is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Experian is supposed to verify and report accurate information or they must delete. Experian is violating my rights under the FCRA, which is illegal. Experian has never sent any method of verification, who they spoke with or how they verified this information. Experian needs to delete this account since they can not verify and report accurate information
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX, XXXX Date opened : XX/XX/XXXX Original balance : {$18000.00} Status : Closed. {$11000.00} written off Status : updated XX/XX/XXXX XXXX loan between myself and Ex-wife. She took the vehicle and failed to pay the loan. The vehicle was repossessed ( I assisted in locating the vehicle ). That Vehicle has since been resold, the loan the balance charged off, and sold the balance to a collection agency.and I have to deal with them as well
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC (TN)

I reached out to Security Credit Services with an offer to settle my account for {$640.00} if in return they would delete the collection from all credit reports ( bureaus ). I received a letter dated XX/XX/XXXX stating that they accepted my offer. On XX/XX/XXXX I paid the {$640.00} dollars to XXXX XXXX as instructed in the letter. It is now 42 days later and my collection has not been removed as promised in a binding contract. In fact, it was updated instead to settled for less. I would like this collection removed. I have reached out to them with no results.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

EQUIFAX VIOLATES SECURITY FREEZE LAW. LAW DIRECTS EQUIFAX TO SET UP A SECURITY FREEZE. I ASKED EQUIFAX TO SET UP SECURITY FREEZE. BUT EQUIFAX WROTE ME IT REMOVED THE FREEZE. BUT MY ADDRESS WAS WRONG. I NEED IMMEDIATE FREEZE VERIFIED BY A COMPLETE CREDIT REPORT FROM EQUIFAX
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

Dear CFPB, I'm writing to dispute the unlawful collection practices of Jefferson Capital Systems LLC and request an investigation into their violations of federal law.

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : Jefferson Capital Systems LLC has not provided validation information but has placed a collection on my consumer report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I haven't been given the opportunity to dispute the account.

3. 15 USC 1681s-2 ( 7 ) ( A ) : Jefferson Capital Systems LLC has furnished information to consumer reporting agencies without providing required disclosures.

4. 12 CFR 1006.34 ( d ) : Jefferson Capital Systems LLC has used false, misleading, and deceptive means to collect the debt.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I revoke all rights of Jefferson Capital Systems LLC to communicate with me through : - Phone calls- Text messages- Email Request for Purchase Agreement : I request a copy of the purchase agreement between Jefferson Capital Systems LLC and the original creditor.
Consumer complaint received 2020-01-31
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. (MD)

I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF ED, and US DEPT OF ED. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NV)

I tried to apply for the XXXX XXXX XXXX issued by Goldman Sachs. At the end of the application, it asks for a scan of an official government ID. I tried and tried to scan my passport but it kept rejecting it. There is no way to ask for help, no phone number, no chat bot nor email address to complain and ask for assistance. When I call XXXX  or Goldman Sachs they have no idea where to direct my call and just tell me to resubmit.
Consumer complaint received 2019-09-10
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. (LA)

I am a victim of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit (DOMMA) is to assert my command that you,as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced (as mandated) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victim’s Complaint and Affidavit
Consumer complaint received 2020-01-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX , US DEPARTMENT OF EDUCATION , US DEPARTMENT OF EDUCATION , XXXX XXXX, and XXXX XXXX. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.
Consumer complaint received 2020-01-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nicholas Financial Inc. (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied on XX/XX/XXXX. I was advised to remove the credit freeze, which I promptly responded to within XXXX hours. I have made numerous calls beginning XX/XX/year>, and XXXX, with my last call on XX/XX/XXXX. I can not get a person to assist. No one at the call center level has authority. One associate advised me that " no humans '' make the decision. The system does. I was advised to re-apply because of a " system '' issue. 
Applying multiple times for credit adversely impacts my credit score. I should not have to " re-apply '' due to Capital One 's incompetence and/or system errors. Capital One should hire humans to make credit decisions, not AI or the " system. '' As of the date of this complaint, the decision is still " processing. '' Application ID-XXXX. The time to a decision has been unreasonable. Capital One has had the information it needed to decide within XXXX hours of the application.
Consumer complaint received 2020-01-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$12000.00} -This is not my account.
Consumer complaint received 2020-02-13
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (MD)

I filed a previous complaint XXXX # XXXX XXXX. The essence of the complaint was that Navient issued a negative report against me to credit reporting agencies based on a payment default on a student loan on which I was the co-signor WITHOUT GIVING ME PRIOR NOTICE THAT THE LOAN WAS IN DEFAULT. In its response, Navient provided me with a copies of the promissory note in question ( Note ) and Navients written notices of default. Navients contention is that my contact information had not been updated, thus making it impossible for Navient to have notified me of the default. To the contrary, both my cell phone number ( XXXX ) and office email address ( XXXX ) are provided on the first page of the Note. This contact information remains correct to this date. Had Navient exercised even a modicum of diligence, it could have notified me of the default using either cell phone or email contact information, prior to Issuing its damaging credit report. It did neither. Moreover, the address that appears on Navients notices of default ( XXXX XXXX XXXX, XXXX, ME ) has not been my address since 1974, when I was a student at the XXXX  XXXX XXXX XXXX. This address does not appear on the Note and it is a mystery to me how Navient decided to send notices to this address.
Consumer complaint received 2020-01-31
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2019-09-10
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: ALLY FINANCIAL INC. (CA)

-Made payment western union byXXXX XXXX -Made payment XXXX checking account on XXXX XXXX.-Made final payment for XXXX on XXXX.Had a phone conversation with Ally in XXXX total due on vehicle was XXXX Now they claim. I owe over XXXX. I recieved a letterswith conflicting amounts XXXX payoff XXXX   payoff. And last payment was made in XXXX they wont send me my title to my vehicle. My credit score went to XXXX  to less than 500 in 4 months. They wont send me the recorded conversation we had in XXXX till I agree to be recorded again that I owe. Now they have sent it to asset collections. Payments were in good standing over a 6 year period. Now they are requesting additional money. All I want is my title and my credit fixed.Loan ended in XXXX  of 2019. I thought I completed payment as of XXXX 2019. Tried to rectify in XXXXl will Ally final pay off was XXXX as of XXXX talked to representatives and made payment accordingly. Now there are additional charges.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JDJ Investments, INC. (LA)

THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY XXXX COLLECTIONS WAS THAT YOUR COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THAT YOU ALLEGED I OWE. WHICH CBS COLLECTIONS FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; " The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), ' 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( 1 ). which i am sure your legal counsel will agree that CBS collections did not do. 
Lets also not forget that CBS COLLECTIONS broke commercial law under XXXX XXXX that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. CBS COLLECTIONS '' failed to give me my XXXX XXXX days before placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. Under 809. according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. CBS COLLECTIONS is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. 
OBVIOUSLY CBS COLLECTIONS is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to CBS collections. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. 
See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Supp. XXXX ( XXXX. XXXX ) ; XXXX V. 
XXXX, XXXX XXXX XXXX XXXX cIR. XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), et seq. 2. I am sure that your legal counsel will agree that CBS collections have violated multiple of the above stated laws. IF CBS collections continue collection activity with not shown me ANY PROOF that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE FEDERAL TRADE COMMISSION XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2020-08-25
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. (AR)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}
Consumer complaint received 2020-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

I have called to let the bank know that there was a transaction that was cancelled on XX/XX/XXXX, but my credit card company still removed the funds on XX/XX/XXXX. I called my bank and told them this wasn't authorized. After it was reversed it seemed that the money was taken out and I put a dispute in. My account is overdrawn because of the automated XXXX dollar transfer to my savings account. Now my account is overdrawn and I have pending transaction that is gonna add up to XXXX DOLLARS NOW! THIS IS RIDICULOUS THAT THE SAVINGS TRANSFER CAUSED ME TO HAVE AN OVERDRAFT AND NOW IM GONNA GET A FEE FOR THE XXXX  TRANSFER ON TOP OF THE TRANSACTIONS THAT WERE VALID! IM SO XXXX TIRED OF TD'S XXXX SYSTEM!