davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX about a notice to collect a debt from Capital One. I final heard back from someone in the office after several days. I explained that my identity had been stolen in XX/XX/XXXXand I could supply their office with copies of the police report and other items needed as the account in question was also not something that I had established. I sent the documents, as mentioned, via email and on XX/XX/XXXX, I received noticed from XXXX XXXX XXXX stating that Capital One could not substantiate my claim and they would move forward with garnishing my wages.

I have since communicated with Capital One in the same format as I have with all businesses where accounts were fraudulently established. I have provided the proper documentation, as well. However, Capital One is adamant that I pay the debt created by some mystery person who has used by social security number, date of birth, address, phone number and more to establish services with Capital One, apartment communities, hospitals, and even utility companies. In addition, I was dealing with a bankruptcy at the time that the accounts were established.

Any help to rectify this matter is greatly appreciated.
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Porsche Financial Services, Inc. (FL)

I, XXXX : XXXX XXXX acting on behalf of my Principal, XXXX XXXX XXXX am filing this second formal complaint against Porsche Cars XXXX XXXX XXXX XXXX and Porsche XXXX XXXX for violations of the Equal Credit Opportunity Act ( ECOA ), Federal Reserve Act, Truth in Lending Act ( TILA ), Regulation Z, and related federal and state laws. 

1. Discriminatory Denial of Credit On XX/XX/XXXX, I submitted a credit application for the purchase of a XXXX Porsche XXXX XXXX XXXX XXXX XXXX. The same day, I received an Adverse Action Letter denying my application. Regardless of the reasons provided, under ECOA, I have the right to access credit. 

Your refusal to grant me access to my own credit, based solely on my credit score, is discriminatory and unlawful. My application represents a lawful transaction under Consumer Credit Protection Act regulations, and any attempt to withhold my access constitutes a violation of both ECOA and federal securities laws. 

Furthermore, your actions discriminated against a minor in this transaction, as referenced in your communications. Under ECOA, all applicants must be treated equitably, and my legal capacity to contract was arbitrarily denied, further compounding this breach of law. 

2. Right to Credit and Security Interest Under Federal Law I assert that under Section 16, Section 1 of the Federal Reserve Act, as well as 15 USC 1602 ( l ), my application, which includes my social security number and signature, acts as collateral security for the requested credit. By submitting this application, along with the tender of payment, I am legally entitled to the extension of credit. 

Your continued refusal to recognize this right constitutes securities fraud and a breach of your fiduciary duty under federal law. As a financial institution, you are required to process my application and extend the credit to which I am legally entitled. 

3. Breach of Fiduciary Duty and Consumer Rights Violation Porsches denial of my credit application also constitutes a breach of fiduciary duty, as you have failed to act in the best interests of your consumer. Having provided my application and payment, I have satisfied all legal requirements necessary for the creation of security interest. Your refusal to honor my application is a violation of both ECOA and the Consumer Credit Protection Act. 

Additionally, denying my credit application based on subjective factors, such as my credit score or age, is an unlawful action under ECOA. Federal law mandates that credit decisions must be fair, equitable, and transparent. Your arbitrary refusal of my application violates these rights.
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I owe {$7900.00} to Capital One. During the year, I made some changes to enable me to pay them. I contacted my credit Union for a home-equity loan. The Credit Union told me that I should first become current on my mortgage. Capital One company contacted an attorney who filed a lawsuit. The, attorney, XXXX, XXXX, XXXX XXXX XXXX, XXXX, operating out of XXXX, MD is a debt collector. Just prior to filing the suit, I contacted Capital One and offered he following settlement terms : 1. {$1500.00} to be paid every late XXXX or early XXXX. This would largely come from my tax return 2. Additionally, If during any calendar year, I am able to secure a home-equity loan, I would pay off the full amount. 
3. The debt collector should dismiss the lawsuit, because that would be counter-productive : it would discourage any lending. Additionally, the terms I propose would be more generous than any result of a lawsuit. 

I also contacted a Capital One Vice President by the name of XXXX XXXX, and reiterated the plan. I believe this Vice President forwarded this letter to the law firm. I also sent a copy to the law firm. 

I did not receive any response. I called the law firm. I spoke to a lady. Among the first words she uttered were outright untruth : that a lawsuit, once filed, can not be discontinued. Next, she mischaracterized my plans as " vague, '' even though they contained an amount certain, a period certain, and a certain start date. 

I asked to be transferred to the attorney. The lady would not so so, but transferred me to their " supervisor, '' one XXXX XXXX. Mr. XXXX implied that he wants a judgment so he could hold such judgment " over [ my ] head, '' and could not explain why the plan I proposed is inferior to any results to be obtained from such judgment. 

As I had done before, I wrote to the same Capital One Vice President and told him I was going to file this complaint. 

The lady 's statement is false. You can always dismiss a law suit. My plan is not " vague. '' Mr. XXXX 's admission that they were using the lawsuit to hold over my head is improper. Legal actions are used only to resolve legal disputes, not as threats. I also reminded Mr. XXXX that other pronouncements by him were mildly threatening.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

I purchased a couch for {$1500.00} on XX/XX/XXXX under a promotional financing 0 % interest for 12 months. I then made several traditional purchases in the amount of {$530.00}. I then paid approximately $ XXXX/month for 12 months, eventually totalling {$1600.00} over 12 months. My XXXX statement balance was {$520.00}. I was then charged {$320.00} in accrued interest on XX/XX/XXXX for my original promo financing purchase ( which occured 12 months prior ) based on the entire original purchase amount, even though I have paid off almost all of that original amount. How is this not illegal? This is downright predatory.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX Under the fair credit reporting act I sent to XXXX, XXXX XXXX, and Equifax letters requesting to remove. unverified non- account holding inquires. 
the non acount holding inquiries were XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX all of which are unverified accounts. I also requested to have all credit freezes and security alerts removed from my account. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XXXX XXXX, I called Capital One to advise I would be submitting a payment for {$80.00} to keep my account current. The representative said she would note the account. I paid the {$80.00} and it was credited to my account. Towards the end of XXXX going into XXXX, I got an alert saying on my credit report, that Capital One had reported it 30 days late with a past due amount of {$3.00}. I immediately got on the live chat with someone to advise of the call I made and that the rep did not tell me any different when I said {$80.00}. They did not tell me {$83.00} was the correct amount. Because I would have paid {$3.00} more. The rep on the chat advise he would have it investigated and corrected. I never heard anything from Capital One so I assumed it was corrected. I pulled my credit report again and it was still showing, so I disputed it with all 3 bureau and Capital One is still coming back saying it was 30 days late and this 1 late payment has ruined my credit because they failed to report the account was not 30 days late. Capital One need to contact all credit bureau to advise that the account was not 30 days late as I was not advised to pay {$83.00} when I called to let them know I would be paying {$80.00}. All of this is happening over a {$3.00} discrepancy and misinformation that was given to me. Please have my credit report corrected as soon as possible as I never had any problems with Capital One. I can not believe this has ruined my credit over a so called {$3.00} past due amount when I made the payment for {$80.00} as advised.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (KS)

For the past 4 months, I have reached out to XXXX XXXX, XXXX via certified mail regarding the {$1200.00} they say I owe. I have informed them over and over this is not my account. I have requested documentation verifying this account and they have yet to furnish me information verifying this debt. Additionally, they have not reported to the credit bureaus that I have been disputing this debt. Their lack of accuracy is causing me to have major credit issues, including disqualifying me for credit as well as causing me to accept higher interest rates.
Consumer complaint received 2018-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a " hard inquiry '' reported on my TransUnion credit report that I did not initiate. It was reported on XX/XX/2018 by : XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: First Associates Loan Servicing LLC (FL)

I attended XXXX XXXX XXXX in XXXX XXXX, Florida from XX/XX/XXXX to XX/XX/XXXX. While I attended schooling I was mislead in the education was receiving and cost of schooling of there. When I graduated in XX/XX/XXXX I noticed the total cost was not the same as I previously told by others that show me the total cost. Then in XX/XX/XXXX I was receiving phone calls in regarding of paying back on a private loan that was from that schooling. I was not aware of any private loans nor I did not sign for any private loans and again told everything was done through U.S. Department of Education. I was mislead with the information that was given to me at that time and a loan went to a private loan. The private loan is XXXX XXXX XXXX. From XX/XX/XXXX to current I have been paying this loan and having trouble with the payments every month. Also in XX/XX/XXXX XXXX XXXX XXXX close it doors for good and many people in a similar situation of repaying loans for a school that mislead consumers like me in the cost of the schooling. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Then in XX/XX/XXXX a U.S Judge awarded XXXX XXXX in claims for students attending the school for private loans and Education loans. With the loan with XXXX private loan the amount has not deceased since XX/XX/XXXX to current. It is still the same amount since it has begun. I do not understand how this can be since I have been paying for this for 5 years. Also it has destroy my credit because there are moments where I did fell behind and they keep harassing me with phone calls with threats till I give in and made a big payment so I can get caught up and end the harassing phone calls. In my opinion this private loan should be connected with my Borrower Defense claim because they are both coming from the same school. This loan should be forgiven because the school is no longer in exist and the court has just awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending this private loan.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX earned income credit qualifying children office address XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX admissions office Attach XXXX XXXX confidence financial letters of posted and post dated Annual XXXX XXXX Qualifying financial errors corrections caused by XXXX XXXX XXXX XXXX Public works political organization concerning Geographic coverage married Joint medicaid and medicare review errors caused by Judge office XXXX XXXX constables commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA. XXXX XXXX XXXX witness by Judge XXXX XXXX
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I am a public servant and have worked for the XXXX XXXX XXXX for 14 years. I am eligible for Federal Loan Forgiveness, but when I've contacted Navient over the years, I'm always told that I have the wrong kind of loan. If they are the ones giving the loans, how could I have been assigned the incorrect loan. I believe that Navient is trying to avoid allowing their customers to receive Federal Loan Forgiveness. I have had issues with customer service with the last 8 years trying to get the name on my account to match my legal name. I'm not holding out hope that Navient will do right by its customers.
Consumer complaint received 2018-12-27
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: Experian Information Solutions Inc. (IN)

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MD)

XX/XX/XXXX - sent a XXXX XXXX XXXX  ( XXXX  ) check in the mail to our homeowners association ( HOA ) in the amount of {$1900.00} XX/XX/2018 - Check was deposited at Wells Fargo ; not the bank used by our HOA XX/XX/2018 - Received a letter from the HOA stating we were delinquent ; no check received - Filed fraud case with XXXX, case # XXXX - Filed case with United States Postal Inspection Service, case # XXXXXX/XX/XXXX - XXXX  requested documentation for the claim XX/XX/2018 - Requested documents sent to XXXX XX/XX/XXXXXX/XX/2018- Called XXXX for update and to try and get my money back so I can pay the HOA, XXXX stated they have tried to contact Wells Fargo, but there has been no response. ( There has been no response initiated by either XXXX or Wells Fargo to us, and no funds have been recouped by us as of XX/XX/2018).
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (TX)

TD BANK XXXX hasnt reported my credit card account to XXXX  and XXXX  its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told TD BANK XXXX that this credit card account belong to me and it only been reported to XXXX  and they refuse to report to other two credit agencies and never heard back from TD BANK account number ending XXXX and i would need this account to be reported ASAP THANK YOU
Consumer complaint received 2018-12-13
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. (MO)

i contacted XXXX  to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has restricted my account to verify transactions. I appreciate and Thank Capital One for taking those steps to prevent fraud, though, it does not mean that Capital One has to give so much hardship nor do they need to mistreat, bounce the call and refuse to escalate the issue to the executive offices. These actions taken by fraud departments are unbearable and needs to STOP immediately. To verify my identity you will need to contact me on the number that is reported to the fraud alert with the consumer reporting agencies. 
( XXXX )
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pro Com Services of Illinois, Inc. (IL)

I received a 30-day notice of the debt by ProCom services about a year after this debt was supposedly to have occurred. As I was completely unaware of any debt to the company they were representing, I asked for debt verification, which was never provided. Instead, the account was reported to the 3 Credit Bureaus without any attempt to resolve the discrepancy.
Consumer complaint received 2018-11-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TN)

In XX/XX/XXXX, received letter stating I owed XXXX to XXXX apts. the accuracy of this debt is false and fraudalent. stated I moved in XX/XX/XXXX and have new lease that I moved in XX/XX/XXXX. I have all my receipts that do not total what is stated I owe. the receipts state a zero balance. there is a document with my signature that is forged by someone trying to sign like me. I have a voice recording of my speaking with the landlord and she can not give me an accurate date on when and why this debt is owed. I was on section8 housing assistance and have letters that the manager states i do not owe this debt. National credit systems have attached my credit report with this negative and false reporting that is hurting my credit. they are aware this debt is false but continued to place it on my report regardless.the landlady told the police officer I had involved in this matter that I owed in XX/XX/XXXX but stated to me it was because i moved out in XXXX XXXX she is inconsistant on the dates to which this debt is owed. i was not aware of this matter until 6 months after i had in fact left those apartments. the landlady never contacted me in this matter and i feel this is wrong. XXXX XXXX, the landlady falsified the name of the apartments : she placed in collections under XXXX apts but the building is XXXX management inc. she is attempting to extort money that i do not owe. have made several attempts by sending in all my receipts showing a zero balance but still reported as negative debt
Consumer complaint received 2018-12-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On or about XX/XX/2018 I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Additionally, Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$410.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$2600.00} not mine