davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-29
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (WA)

A collection agency, which I have never heard of or from, has reported negative information to the major credit reporting agencies and has lowered my credit score. 
How can a business do that without contacting the person they claim are owing the debt? 
The debt is from a payday loan company that I have never heard of so I am curious how I can be in collections for something I know nothing about. 
Imagine the surprise when I found this unpaid debt on my credit report just out of the blue. 
CFPB is asking for me to attach any supporting documents. How can I do that when I have n't heard from either party. haha
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i am well aware of all the red tape in this world just so disappointed when it comes to my favorite bank capital one. made a dispute OVER DEFECTIVE phone from XXXX XXXX that i did contact them about but never heard back. first dispute comes back saying well you bought it to which i respond i never disputed i bought it so on XXXX XXXX i sent back that IT IS DEFECTIVE. no batteries broken. instead of asking me for further proof which by the way i have never had to provide they closed my dispute. Well i am not paying it. nor should i. One it was not handled right i was not contacted for whatever proof they needed BEFORE they closed it etc. and i still have abad phone. Online Customer serice XXXX XXXX too long. i am super surprised at capital one for this. it had been my card of choice for all reasons. please reverse charge. i am not paying it. i also note for the record NO ONE at XXXX XXXX contacts me in response to my contacts or otherwise. REVERSE charge on card ending XXXX as for contacting me i can only be reache after XXXX eastern. i work so calling at any time is a waste.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, After disputing account XXXX XXXX ACCT # XXXX multiple times I filed complaints with CFPB for the account with Transunion, and XXXX. Complaints and complaint results are attached. Both claim to have verified and updated the account, however, the account as of my credit report on XXXX still has inconsistent information with both bureaus which include, the monthly payment, balance, date last active. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NJ)

On XXXX Called the collection agency regarding a the validation letter I sent certified. The manager informed that the letter was received and that they are waiting for progressive to provide the proof of debt and documents. 

List of documents I requested : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I received a bill that did not include the information requested. Based on the FDCPA, I have the right to receive the information requested. 

On XXXX called the company to request updates on the request. Spoke to " XXXX XXXX '' Assistant Vice President who told me that I do not have the right to ask for the information and that the company does not have the obligation to provide the information requested.
Consumer complaint received 2023-06-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I am a victim of identity theft I been trying for many months to resolve a few errors on my credit profile that is inaccurate. The accounts that have been challenging to resolve with XXXX, Equifax, and XXXX are XXXX, XXXX XXXX, XXXX XXXX and hard inquiries XXXX  ( listed twice ), XXXX XXXX, and XXXX XXXX. I've spoken with XXXX in regard to the hard inquires and attempted to have them removed within 3 consecutive months, but I'm being told they can not remove these hard inquires without a written letter from the companies.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC. (OH)

The reasoning for this letter is to dispute account " XXXX '' from the creditor " Santander Consumer USA '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile.This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (GA)

I have asked them to investigate the completeness and accuracy of these accounts and to furnish me with the contract between me and them and they can not!! 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 Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX 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 ( AX1 ) 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. In this is holding me back in hurting my credit profile from my future of purchasing me a new home
Consumer complaint received 2023-06-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (MD)

This is a followup to CFPB complaint XXXX TD Bank has not honored promises made in response to the above captioned case. 

No resolution has been reached concerning the modification, and I continue to receive inconsistent and erratic answers concerning my loan status depending on who I speak with. On XXXX, I called to request that TD Bank resume sending me normal monthly mortgage statements, an extremely basic and rudimentary request. 

Instead, I was told by one representative that a form bearing my signature was received on XX/XX/2023 ( well after the 30 day underwriting deadline promised by TD Bank in writing ), and would need an ADDITIONAL 30 days processing after that. The next person I spoke with told me that there was a notation on my account on XX/XX/2023, which indicated that the modification was rejected due to incorrect payment amount. No further explanation was offered. 

I am extremely disappointed at the fundamental failures of your company to perform basic promises made in writing to me and to the CFPB. For this reason, I have reopened the CFPB case to achieve resolution of the modification on my account.
Consumer complaint received 2023-06-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (FL)

I tried to resolve the complaint with Marcus by Golden Sachs itself before I submitted the complaint to CFPB. However, I did not receive Golden Sachs callback as its agent promised. This is the reason why I submitted the complaint to CFPB on XX/XX/XXXX. 

On XX/XX/XXXX XXXX  holiday, Golden Sachs called me back and disguised itself as it was addressing my CFPB complaint. 

According to my knowledge, they should respond to me through CFPB account. So I asked the agent what was my proposed solution. He just mentioned one of them, and told me that my request was denied. I questioned him what the other two proposed solutions I mentioned in CFPB complaints. He was unable to answer and transferred the conversation to his so-called supervisor. 

However, he recognized himself as the supervisor agent and his level is the highest level I could speak over phone. How can he transfer our conversation to his supervisor and have his supervisor talk with me? 

The processing way of Golden Sachs makes me feel they are trying every effort to fool customer and make customer accept their unreasonable solution. I have spoken to about 8 agents of Golden Sachs. Every time when the first agent can not solve my problem, the first one transferred the communication to the supervisor. Then the supervisor still had no authorization to solve the problem. The supervisor said a higher-level supervisor would call me back. But no one called me after their first-time promise. I called them again, they said they requested again. I confirmed and double check with the supervisor that I could speak to supervisors supervisor who have larger authorization during the callback. However, I received three callbacks but every time the three agents recognized themselves as the same level as the supervisor I talked to over the phone last time, no supervisors supervisor. 

Until last week, the agent disguised itself as responding to CFPB complaint, which made me frustrated and scared that Golden Sachs was such a big brand that they are lying all the time. 

I feel it is necessary to report their dishonest behaviors. Therefore I am writing to you, CFPB members, to ask you to investigate Golden Sachs to see if they disguise themselves as government agency to fool customers, as well as if they pretend to solve problems by just kick balls to other so-called supervisor agent, which is actually not a supervisor to defraud and play games with customers.
Consumer complaint received 2023-06-05
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed my bank account, they then proceeded to charge my closed account for my auto loan. ( they never once emailed me or messaged me about this matter ) Obviously my auto loan payment was not going to go through because it was set to autopay from the account they closed. 

I have called and talked to them every XXXX  month since this happened. They refuse to let me enroll in auto pay. 

So every month they charge mee a late fee, a processing fee, and they refuse to let me enroll in auto pay so this doesn't happen. 

Not only are they negatively affecting my credit report by putting a missed payment that was there fault for closing my account without notice. 

Furthermore they charge me interest and penalties every month while refusing to let me enroll in autopay from my chase account every month. 

What they are doing is terrible I do not know how they are able to do something like this.
Consumer complaint received 2017-08-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

Since I graduated in XX/XX/XXXX I have been nothing but struggling to make my student loan payments each month. My payments right away started at {$390.00} and that was only for one of my student loans, out of 4. {$390.00} was also considered a " rate reduction '' as if Navient/XXXX XXXX was doing me a favor. They allowed me to pay that outrageous payment for 15 months. That rate reduction plan just ended this past month ( XX/XX/XXXX ) and now I am paying {$480.00} a month just for Navient. That is not even close to including my other loan vendors like XXXX XXXX and my other federal student loans through navient. The fact that my interest rate starts at 8 % and goes as high as 11 % is absolutely sickening. Makes it near impossible to afford the cost of living in this day and ago. It is unfair to pay such high payments with an outrageous interest rate. It makes it near impossible for anyone to pay back their loans in such a short amount at a large amount along with the cost of living. I thought student loans meant there was going to be low interest considering the fact that students do not make any money during school as well as a " generous '' 6 months graced period after graduation. It is very unrealistic to think that students are able to afford these ridiculous repayment plans.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (OH)

In XXXX XXXX, I received a flyer through the mail from Citi Bank offering their Double Cash MasterCard with 0 interest on all purchase balances for 18 months. I applyed on-line and my first billing period ended XXXX XXXX, XXXX. I calculated that the interest-free offer would end with the XXXX, XXXX billing cycle. On my XXXX, XXXX statement there was an interest charge for {$64.00}. I contacted the bank and was told the offer had ended XXXX XXXX, XXXX. I was informed I needed to produce the flyer as proof that the offer was for 18 months. I had not saved it. But I had agreed on-line to the terms and conditions of the offer at the time of application. I was unable to access a copy of those terms on the bank 's website nor was the customer service rep able to tell me how I could obtain a copy of the agreement. After 4 phone calls to Citi Bank, I was told a supervisor would call me back in 2 to 3 days. That has not happened. I feel Citi Bank 's advertising and business practices are deceptive. The bank should clearly state the expiration date of their offer when the card is initiated. The customer should be able to view the terms and conditions agreed upon. The bank should issue a timely alert that the offer is about to expire, so that the customer has an opportunity to pay off the balance without an interest penalty.
Consumer complaint received 2023-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (SC)

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. XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # 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 2023-06-05
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. (GA)

I bought a few cars. When I go to the dealership I tell them I already want to do business with a certain Bank, like XXXX XXXX or XXXX XXXX. I tell them not to run my credit through anyone else. but they do it anyway and send me to XXXX or XXXX banks to try and get a better deal without notifying me or with my permission. 
Per credit reporting bureaus I have to contact these banks to have them remove their inquiry. I've contacted these banks and they all say they don't have my information on file. 
So I was told I can get help here. 

Thank you, Below are the list of banks and companies that were not authorized to check my credit. 

XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX - unauthorized inquiry dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX - Unauthorized inquiry dates- XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX - Unauthorized inquiry dates- XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX - Unauthorized inquiry dates- XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX - Unauthorized inquiry dates- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, GA XXXX - unauthorized inquiry dates- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Unauthorized inquiry dates- XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, GA XXXX - Unauthorized inquiry dates- XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX - Unauthorized inquiry Date - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Unauthorized inquiry dates- XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX - Unauthorized inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - unauthorized inquiry date - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, XXXX - unauthorized inquiry date - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX - Unauthorized inquiry date - XX/XX/XXXX Thank you
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (TN)

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer reporting agencies have assumed an important role and have a responsibility to report consumer information to the best of their ability with precise accuracy. I have never been late on payments for this account ( XXXX installment loan, acct # XXXX ). Please investigate and provide me accurate proof with statements showing that these payments were late. If proof cant be provided I sincerely ask these payments be updated to On Time as they should be being that I was never late. Thanks for your time handling this matter.
Consumer complaint received 2023-06-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

I checked my credit report on XX/XX/XXXX and I seen that I had been turned into collections for an apartment that was leased in my maiden name. I have been married for XXXX years. They leased an apartment in my name ( XXXX XXXX ) in XXXX Texas. The name of the apartment is XXXX XXXX. It says that I owe a total of {$8500.00}. I have never been to Texas nor do I know anyone who lives in this state. I have reported this to the XXXX main credit bureaus, filed police reports, reported to the Ohio Attorney General, and the Federal Trade Comity. I can send you guys all of my information including proof of address, ID card, police reports, and my notarized signature. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (KS)

On XXXX I submitted a dispute with Experian letting them know that fraudulent accounts from XXXX XXXX that my father took out in my name were appearing on my credit report. I also contacted XXXX XXXX to gather more information about the fraudulent accounts and to get them to remove the information. After talking with XXXX I was told the accounts were open several months ago, sometime towards the middle of XXXX. After Experian completed their investigation they failed to remove the accounts stating that XXXX XXXX attested that the information was accurate. There are a couple of problems with this ; the first being that accounts dont belong to me so Experian has allowed XXXX XXXX XXXX place fraudulent information on my credit report with no due diligence. The second being that from what I was told about the fraudulent accounts they were opened well before XX/XX/XXXX but contain no information prior to that date. The lack of information about these fraudulent accounts prior to XX/XX/XXXXXXXX  is hindering my ability to work with identity restoration experts to clear my name. So I am demanding that Experian perform a proper investigation and remove these fraudulent accounts. Ive attached a copy of my credit report and you will see there is little to nothing about these accounts. No payment history, nothing of use in my ongoing fight to clear my name.