davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

To whom it may concern, On XX/XX/XXXX, I entered into a consumer credit transaction with a local car dealership, ( XXXX XXXX XXXX XXXX ) where I obtained possession of a XXXX XXXX XXXX. At the time, I thought the transaction was done while operating in good faith. But now I understand my position as the consumer, as well as the power I hold as a consumer. After gaining a greater understanding of my rights. When I conducted this consumer credit transaction, I dont believe that Dealership offered a full disclosure to me as to what was really taking place in the transaction. I think they may have misrepresented themselves in the role they played in the transaction. On XX/XX/XXXX, I sent Capital One a Cease and Desist as well as Validation of debt letter via certified mail ( see attached ). I am requesting this information because I want to review the consumer credit transaction in its entirety. I want to review all the documents. They received this documentation was delivered to them on XX/XX/XXXX. On XX/XX/XXXX, I received their response to my request ( see attached ). In their response, they basically stated that they have reviewed my account, and they dont think they did any wrong and they were not going to be complying with my request. I was like so you are just refusing to do what I ask and just do what you want to. They must think they are above Federal law. Because in this case, their response was a direct violation of my consumer rights as a Federally protected consumer. It was blatantly disrespectful. Therefore, I am requesting the assistance of the CFPB in getting Capital One to comply with my demands.
Consumer complaint received 2023-02-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

Smith Debnam Narron Drake Saintsing & Myers, LLP sent me a notice date XX/XX/2023 for a debt I owe to XXXX XXXX XXXX XXXX. they attempted to do this first around XXXX of 2023 as well. Around that same time, I found out they they have negative reviews and people have a hard time communicating with them to get any help from them. So that is when i called them and left multiple voicemails and emails telling them not to contact me. I believe i also reported them to the nc doj. Here is is almost a year later, and they are sending me another lawsuit letter. this time something about default judgement entry or something. something about me not being incompetent or incapable, i guess of not being able to pay the debt. I get XXXX and va benefits. i have no wages for them to garner, nor do i have any money for them to go after and take that are eligible for that if they bring a judgement against me. here is the deal : i am a XXXX veteran. i spend time, lots of time at the va due to numerous XXXX XXXX and medical problems. i am on so many medications that i can barely function on a daily basis. so no, i did not respond to their summons they sent me about a year ago. i could not and was not able to. I thought i made that clear to them in voicemails and emails i sent them around that time. I had to go out of my way today and a couple of days ago to call their company to see if i could get this settled. i left two voicemails for two different people and an email and i have not received a response yet. i also have an attorney trying to work with them to get this matter cleared. i do not have time for this. if they want to settle this debt, i am more than happy to. but at least be professional and return my calls and emails. and dont assume you know my situation as a veteran with all these health issues and spending time at the va and in the va XXXX XXXX and going to my many va appointments that take precedence over going to your summons and responding to it.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Bread Financial Holdings, Inc. (MN)

On XX/XX/2016 I shopped at XXXX. While in the check-out line the cashier asked if I would like to join the XXXX Rewards Program. I said yes but not if it was a credit card as I did not want a credit card. The cashier stated vehemently this was a rewards only program. At the end of the transaction the cashier smiled and said you qualify for a credit card. I then asked to speak to the store manager and once again said I did not want a credit card and that the cashier had lied to me. He stated the transaction would be backed out and assured me I would not be getting a credit card. 
I was shopping with a friend who will testify to this entire transaction. The lies of the cashier and the Manager on Duty lying as well. 
So you can imagine my shock this week when a credit card arrived in the mail. A credit card I did not request and in fact said I did not want. This is an illegally opened credit card and I intend to move to have your store held accountable for this. You have messed with my credit and committed a criminal act.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (LA)

I was informed by a Navy Federal Credit Union representative that I could go to a XXXXXXXX XXXX located in XXXXXXXX XXXX and withdraw a XXXX dollars each transaction at a time. But, the ATM only let me only draw only up to {$400.00} dollars at a time! I only did XXXX transactions then the ATM advised me to contact my financial institution! So, I contacted Navy Federal again! They transferred me supposedly to someone who could help me, but she was sarcastic! She told ne that on my debit card that I could withdraw a XXXX dollars on the debit card, but it is up to the ATM if it let 's me do it. I told her. That's not what the representative told me! She told me that at XXXX XXXX ATM would let me withdraw a XXXX dollars each transaction! So that was misleading information! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only that I am getting charged ATM fees for each transaction! Something needs to be done about Navy Federal and their misleading practices! Now! I want all this to end now! Whatever fees I enquired or encurre from now on! I want back! And maybe the FTC needs to step in or another Federal entity. Because they are not just messing with veterans and their spouse and dependents, but XXXX XXXX military personnel and their families who are risking their lives all around the world 24 hours a day 7 days a week! Some don't see their wives or children for months or even years at a time, but the employees some of them at Navy Federal have the NERVE TO LAUGH! I know about XXXX XXXX. I was an XXXX XXXX United States XXXX at the age of XXXX XXXX XXXX. I went to XXXX, XXXX for a year at the age of XXXX! I went to XXXX XXXX at the age of XXXX! Left on XXXX XXXX 1990 and landed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1990  to fight! And some of them want to laugh! Clean house at Navy Federal is what I say it's not the same like when I was in!
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (SC)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It is Experians duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Experian is reporting an inaccurate late payment for the XXXX  account XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Experian written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-02-03
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. (NC)

Previous complaint # : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX RE : Updating Personal info/Method of Verification Certified Mail Receipt # XXXX Dear Experian, Pursuant to 1629 ( g ), I am requesting the method of verification for the following verified personal information : This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the personal information shown on my credit report. 

Please delete the following inaccurate names : XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX XXXX not my name ) XXXX XXXX XXXX not my name ) My correct name is listed above in this letter. It should be only one name reporting and again that name is listed above in this letter. Delete these names immediately. 

Please delete the following inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My correct and current address is listed above in this letter. 



Please delete the following inaccurate telephone numbers : XXXX ( not my phone number ) XXXX ( not my phone number ) XXXX ( not my phone number ) Delete these phone numbers immediately Please delete the last 4 digits of SSN : Delete the last 4 digits immediately By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151.

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-05-05
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

FSA loan repayment is not a life time commitment until you die. Who is Nelnet the XXXX? 

All borrowers with loans held by XXXX ( Direct Loans and federally held FFELP Loans ) who have accumulated time in repayment for at least 20 or 25 years will see automatic forgiveness of their loans. 

This is in accordance with the Department of Education 's rules governing repayment of Student Loans. 

My loan was consolidated in XXXX with XXXX not Nelnet and, at that time in accordance with the Department of Education rules for FSA repayment of Student Loans was scheduled to close in XXXX not be transferred to Nelnet and have 3 additional non existent school loans added to my FSA in my FSA loan account. 

Close my loan now!
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 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 2023-02-03
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: WELLS FARGO & COMPANY (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
WELLS FARGO CARD SER XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (AZ)

Contacted company in XX/XX/XXXX for credit limit increase and it was granted. I was granted {$4800.00} limit in XXXX and by XXXX my limit was decreased to {$2800.00} without notice. I contact the company to see why this was done and they stated that they can randomly do credit checks to decrease or increase limits. I advised them that I had the same income that I had when the increase was approved so what is the issue? I was told that they do random credit checks and felt my income did not suffice. I sent a letter to Cease and Desist on XX/XX/XXXX after I was told that it was after 30 days to go through the reconsideration line. Provided with the complaint will be my XXXX of XXXX in regards to this account. I explained that I never got any documentation of the reasoning on why this was done and they then sent me a letter XX/XX/XXXX after the account was changed and my initial call was placed to the company in regards to the change in XX/XX/XXXX. In my correspondence to the company regarding the violations of my consumer rights as a natural person with 5 notices of violations they sent me a letter reiterating my current balance ( balance at the time of {$690.00} ) as updated as of XX/XX/XXXX and updated payment history that I never was late on. They totally disregarded my request as a consumer after violating my rights. All my concerns were discussed in my Cease and Desist letter that were clearly ignored. I continue to receive statements electronically which yet shows another violation of my consumer rights. This information is my XXXX to cure after failure to comply with other request when documents were sent for resolution.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require MISSIONLNTAB to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

Hi. I received a phone call from my finance company on XXXX/XXXX/16 in regards to my vehicle. I immediately advised the rep that I had previously asked Santander to place me on their do not call list he replied " obviously not since we 're calling ''. This representative continued on with the call without ever apologizing for calling although I stated I had requested not to be called by this company. I would hope that this is not the techniques taught by Santander when training new hires. This company has violated my rights as a consumer by continuously harassing me after I made a direct request not to be called. The agent who handled this call did so in a very poor manner. Not only was he rude but the tone of voice he used said he was owed something personally instead of the company he called on behalf of. It is very frustrating when a person becomes unable to pay for something they need and I do not believe anyone should have the right to call and make a consumer feel even worse about the fact that they ca n't take care of their debt at that time. I would like to see this matter dealt with accordingly because I take harassment very serious and this company should as well.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (TX)

Checked credit report and had a collection account listed by MRS BPO , LLC in the amount of {$160.00} Sent MRS BPO , LLC a letter on XX/XX/2023 via priority mail. 
Received confirmation that letter was delivered via priority mail. 
File a dispute with XXXX concerning the collection account list by MRS BPO , LLC on XX/XX/2023. 
XXXX completed investigate on XX/XX/2023, and no information to verify debt was provided. 
Filed a compliant with the Texas Attorney General 's office on XX/XX/2023.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.