davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is a formal complaint letter in regards to Capital One Bank, N.A. Whatever action, if any, that your organization chooses to take is entirely up to you. It is certain that whatever punitive action you might take, it will not be satisfactory to me, since I want this corrupt organization to be liquidated and its officers to be incarcerated.

There have been several trangressions on the part of Capital One : unauthorized and unsolicited investigation into my credit history, deliberate tampering with my credit score causing it to be diminished, harassment via predatory marketing activity, possible accessory to identity theft, possible initiation of a credit account for the benefit of a thief using my personal information, and a deliberate refusal to offer legitimate telephone service to persons seeking information and making inquiries. 

I am not, nor ever have been a customer of Capital One. Through an online service called XXXX XXXX, I have discovered that Capital One tampered with my credit history, causing my credit score to go down. I have not attempted to open any credit account or to make a loan through any bank or lender. There is no reason whatsoever for Capital One to be making an investigation into my credit history. 

In just this year alone ( XX/XX/2018), Capital One has used my post office box in an attempt to entice me to open a credit account. Capital One has also engaged in telemarketing to me on my personal phone. On two occasions, I requested of their marketing representatives to remove me from their list of victims they obviously dont intend to leave me alone until I presumably become their customer ( which is clearly not going to happen ). In other words, Capital One wont take No for an answer. 

On XX/XX/XXXX, I called Capital One to inquire as to the possible identity theft and illegitimate account. Because I would not provide my entire social security number, they refused to investigate or cooperate ( after displaying such predatory behavior, what fool would provide them with that information?! ). I should also mention that it took an incredible amount of maneuvering in their automated phone system in order to speak to a live human being if youre not a customer with an account number to provide, youre out of luck. 

Further proof of Capital Ones predatory marketing behavior can be found in light of the fact that they are currently lobbying Congress and the Federal Communications Commission to remove any and all legal barriers so that they ( and others ) can fully indulge in unsolicited Robocalls and message texting. 

Any regulatory, punitive, or disciplinary action you might care to take against Capital One would surely be appreciated, and well-deserved on their part.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (FL)

Chase bank take the money of my account and let my account with negative balance and add charge. I called but they didn't knew the problem? Next they said that was a difference on the deposited that 3  months ago. But now my account have negative balance for charge of the bank.
Consumer complaint received 2019-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XXXX XXXX placed an account as charged off, Account # XXXX XXXX XXXX XXXX on my Equifax Credit report. Last year they deleted the entry and this year they re-reported it. I have asked Equifax to delete it this item, it is not mine, it is in someone else name, social and the only similarities is a partial address. It is still on my report. My social end with XXXX and is no where near the social this account is reporting under XXXX, but it shows up on my report.
Consumer complaint received 2019-08-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SUNTRUST BANKS, INC. (DC)

I have consistently tried to manage my loan with SunTrust Bank over the years of this loan with them. I have been struggling to make payments. It is important that I be given consideration to keep my car. It's the only means of transportation I have. It will greatly impact my ability to get around to doctors appointments as a veteran.

I have a XXXX XXXX XXXX XXXX.

Yes, I have missed payments ; however I have always made up for the missed payments. After I called them about my car possibly being repossessed the person name XXXX  didn't offer me any remedies to prevent the repossession.

As a veteran, I have to have access to a vehicle and I do not have family members living in XXXX, who can assist me with transportation.

I spoke with a representative on XX/XX/XXXX. They can be contacted at XXXX.

They aren't willing to give me more time to make up the past payments. I have until this week. Which is extremely stressful and impacting my health. I work on contract and only get paid through a contractor.

Please help with this serious matter. I believe a lower amount monthly would be most helpful. I have had my car since XX/XX/XXXX and willing to pay it off.
Consumer complaint received 2024-08-24
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has Violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1631 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-24
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. (GA)

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 XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : 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 ( 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 informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: OLD NATIONAL BANCORP (FL)

Old national bank which bought XXXX XXXX  when i called them and asked them to transfer funds from my savings account to my checking account on accounts that i am the only person who has ever been listed on them and the checking account has been open since XXXX. they then tell me that the only way they will transfer it is if i give them my complete ss # or drivers license number on an unsecure recorded phone line.. should it really take 20+ minutes to transfer funds should it really take over 7 minutes just to get an unhelpful live body on the phone?
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another account opened on XX/XX/XXXX with XXXX account number XXXX another account opened on XXXX XXXX by XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies 3 bureaus : XXXX, XXXX, and Equifax ) : Consumer Name : XXXX XXXX, Consumer Social Security NumberXXXX : SSN ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Consumer complaint received 2019-08-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

I have loans serviced by Navient which were originally {$22000.00} and {$11000.00} these loans have grown in interest over the years to now be {$36000.00} and {$20000.00}. Because I defaulted on these loans the total amount owed with collection fees is reported to be over {$71000.00}. There is no way I can pay this amount. When trying to deal with my loans and get out of default, I learn that I should have been put on an Income based repayment plan. I was a single parent beginning XXXX. I was married from XXXX, but my husband passed away in XXXX leaving me a widow and once again a single parent. I was single up until XXXX and struggling with my daughter to make ends meet.Because of my circumstances, I would have qualified. Every time I spoke to someone, no one ever attempted to set me up for any sort of loan forgiveness or an Income based repayment plan. I was always pushed into forbearance or deferment. My loans have constantly been in a state of forbearance or deferment. If they had been in an appropriate income based repayment plan my loans would likely be paid off or forgiven by now. Instead I am haunted by this overwhelming debt, and harassed by XXXX and XXXX XXXX who are attempting to collect this balance for Navient. I feel like I have been hustled into this crazy amount of debt that I shouldn't actually owe.
Consumer complaint received 2019-08-01
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: EQUIFAX, INC. (MN)

* The file has surpassed the statutes of limitation that have been placed into law concerning the FCRA. 
* XXXX.XXXX XXXX is deemed as a collection agency that is also govern by the FDCPA. 
* The children that are connected to this child support case is above age. 
* XXXX.XXXX XXXX violates the FCRA, and FDCPA therefore is deemed unconstitutional. 
XXXX XXXX  XXXX XXXX  is a closed acct not active case.
Consumer complaint received 2019-08-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United Acceptance Inc. (LA)

XX/XX/19- I have had 2 calls back to back within 2 minutes from the same company about finishing paying for my car. The first call got ignored and second I answered. I also got a voicemail from the first call about collecting the rest of the note. I answered the 2nd call and told them I just got a call from them and listened to the voicemail and also told them they were harassing me. I get calls every week which I'm ok with but same day and within a matter of minutes was not ok. I told them I am paying it soon. I have talked to the manager before letting them know of my situation and she said she noted it several times. The company is United acceptance.
Consumer complaint received 2018-02-22
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. (TX)

At the end of XX/XX/2017, I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I made my XX/XX/XXXX payment on XX/XX/XXXX. When our tax refund was received, I made XX/XX/XXXX payment early on XX/XX/XXXX. Instead of applying it as a payment, Mr.Cooper Mortgage applied it as a principal payment. I have contacted their office 3 times to get this problem rectified, It is now hurting our credit.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (OH)

On XX/XX/2019, I applied for a Discover credit card. 

They said to call on the last page or Message them. When I went to Message them, my Internet browser froze. It was odd timing. 

I had to call them. Well, when I called Discover, they declined my application because they said I had a Credit Alert out and I didn't have access to the phone number on file. 

They refused to ask any identification questions like I've always done for all credit cards I've applied for while having a credit alert out. 

I was so angry I was screaming and crying at them. 

They said I had to call the credit monitoring company and have my phone number changed, my fraud alert dropped, and then reapply. 

It would ding my credit score. I'm too smart to do that. That is destruction of a person 's hard work and then lying that they could not work with me and ask identification
Consumer complaint received 2018-05-02
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: Riverwalk Financial Corporation (CO)

This company XXXX XXXX XXXX just showed up on my credit and I have requested it be removed from all 3 credit reports and it has not been. I have and have had an arrangement with the department of education directly, they themselves said they don't know who this company is or why they are showing on my credit report. It's been removed from XXXX but not XXXX   or XXXX I've requested it be removed because the college I went to went into bankruptcy and I was told since I didn't have a legal arrangement with them they can not try to collect from me nor 1should they be showing on my reports, not to mention I've already BEEN on an arrangement and paying for them with department of education. I am trying to buy a house and right now this is the only thing preventing me from doing so, please help ...
Consumer complaint received 2019-07-26
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. (TX)

There was a collection on my account from XXXX XXXX XXXX for an account with XXXX at the XXXX apartment. This collection did not show up on my account until I submitted a request for a home loan through XXXX XXXX. This collections account was recently taken off my profile for it not being me. I spoke with the apartment complex and the collections agency who both confirmed that the SSN, DL ID or complete name ( including middle name ), did not match me. I received a release letter from the collections agency that I sent to both XXXX and Equifax who showed this collections against my credit profile. 

However, because I was in the process of buying house, this has caused my credit to go from XXXX to in the 640s. After the credit was fixed, the loan rates had gone up and now I will be paying a higher interest rate. This collections account should have never been on my account and neither Equifax nor XXXX can tell me why this was on my credit profile. This is gross negligence and I plan on pursuing legal action.
Consumer complaint received 2018-02-22
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. (NC)

To Whom it May Concern, This letter is in response to your recent claim on regarding XXXX XXXX XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Consumer complaint received 2018-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I would like to state my opposition to the decision of XXXX XXXX XXXX and bank of America on gun owner ship and sales of lawful gun transactions. I will not support any institution that opposes my values, liberty and constitution.
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

I applied for the STUDENT LOAN FORGIVENESS. Was sent an email stating that my request was approved, however couple of days later received a notice in the mail stating that it has been denied.Just would like to be approved since all school have been closed due to misrepresentation.