davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I'd like to complain about Capital One Quicksilver Credit Card. 
Capital One Credit Card offers no consumer protection whatsoever. They failed to do any investigation when there's a dispute. 

I purchased 3 airplane tickets on XXXX on XXXX XXXX, 2023 for traveling in XXXX, 2023 for the amount of {$10000.00}. 

E-tickets I received were fake and can not be used when I tried to confirm with the airlines directly. 

I informed the merchant and was told that problems would be fixed. Two weeks later, nothing happened so I asked for full refund. 
I was promised full refund ( in writing ) which never came. 

I have all the communications with the merchant in writing. 

I opened dispute with Capital One on XX/XX/, 2023 and they sent me a letter in XXXX saying that since merchant did not respond, case is considered closed unless they receive correspondence from the merchant within 90 days. If that's the case, then I would need to provide further documents proving my case, which I fully agree. 

In the meantime, I received an email from the merchant telling me that their company was under audit by the airlines so all the tickets were being on hold so can't be used. They asked me to cancel the dispute and they will issue me vouchers for future use. 

All that seemed like scam to me so I refused to be fooled twice. 


I called and informed Capital One on XX/XX/XXXX about the emails merchant sent me and I offered to forward to Capital One but they told me that they did not need any documents from me. So I assume they will do proper investigation and I wouldn't be financially liable for scams. 


Just today, XX/XX/XXXX, I am very surprised to discover that Capital One charged me {$10000.00} again, for no apparent reason. They did not ask me to provide any documents. No email or mail notification. Nothing! The charge just showed up again. 


I am not sure if there's any connection but I did the survey Capital One emailed me and I said I would not recommend Capital One to anyone. 

In summary, Capital One Credit Card offers no consumer protection whatsoever. They failed to do any investigation when there's a dispute.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In the last 60 days I've been garnished by this credit concepts of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX  every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX  children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX  for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I was notified in late XXXX for the first time that my loan servicing was transferred from XXXX to XXXX XXXX back in XXXX. I did not ask for my loan to be transferred, nor was I notified in advance of the transfer, nor did I approve the transfer. 

I keep receiving notifications from XXXX XXXX that I missed student loan payments. In fact, I have not missed a single payment at any point in my student loan. I made payments on XX/XX/XXXX and XX/XX/XXXX to XXXX and they were paid as always prior to the actual due date, and both payments were made before I was notified of the loan servicing transfer. 

I called XXXX upon receipt of the missed payment notice in late XXXX and was told that XXXX would be transferring my payments to XXXX so to just wait for it to process. I received a letter in XXXX from XXXX dated back to XX/XX/XXXX that my payments had been transferred to the new servicer XXXX. 

I continue to receive harassing letters from XXXX saying they are going to report my missed payments on my credit report. 

XXXX and XXXX need to coordinate between each other to transfer payments. 

I mailed proof of payment to XXXX and XXXX on XX/XX/XXXX, for payments made XX/XX/XXXX and XX/XX/XXXX to XXXX, and XX/XX/XXXX to XXXX. 

XXXX needs to ensure that there are no negative marks on my credit, as this is not my error. XXXX needs to cease in sending me harassing and threatening communications.
Consumer complaint received 2018-10-23
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: Navient Solutions, LLC. (VA)

NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX NAVIENT - PRIVATE CRED XX/XX/XXXX XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (CT)

My loan was transferred to HomeloanServ after my closing. I began making my payments in XXXX, but went on maternity leave in XXXX. I called the company in XXXX noting that I wouldn't able to make the full payment as I was on maternity leave and my income was reduced. I was told that there was nothing that can be done for me until I miss two full payments, which would ruin my credit. I was sent documentation to fill out and was told to wait until the end of XXXX to submit them. Two weeks after submitting my paperwork I was given a call and asked how much can I pay. we agreed on an amount and that was that. I never received a document stating what program I was on what the stipulations were, what would happen at the end of the program nothing. I called back in XXXX and spoke with a lady who told me some information but was very vague and told me I had to speak with my assigned case worker XXXX XXXX XXXX also inquired about the new program signed by Biden to into HUD to reduce lenders PMI, she had no knowledge but did look it up with me on the phone and said she would make a note of it as well. We ended the call with her noting she would let XXXX know to call me. I never received a call and called back and left a message. On XX/XX/XXXX I received and email from XXXX with a phone number to call. We had a conversation about the lack of information I was given during this process and how I was not informed of my other options. She agreed that I was placed on the wrong program, but assured me that the program I was placed on was the best one for me. I also inquired with her on the PMI reduction program signed by Biden and she had no knowledge of it and stated she would get back to me. I did not hear back from her at all. After speaking with a lawyer I was urged to give the company a call back and find out what program I was on as well as any documentation as to what happens when this program ends. I emailed XXXX on XX/XX/27 and requested documentation and she responded with a phone number to call. I called XXXX and asked for a the document attached which only states the agreement. I asked her what were my options once the program was over in which she was extremely vague. She stated there were multiple options but a resolution would be noted when we as the end of the program comes. I asked if I was not financially able to make the full payments at the end of the program what are my options. She noted that I would have to put my house up for sale.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I had a creditor reach out to me and let me know that they needed me to " Unlock Experian Credit Report '' and underwriting could not continue until this takes place. I had never heard of this before so I got on experian 's website. There I found some information about security freezes and to call if I had any questions. So I did. I went through their automated system multiple times to find out there is no way to ask a question you can only place a freeze or remove one. To remove on you need a PIN which I never got because I didn't place the freeze, if there is one. I also tried their online portal which got me the same result. So I tried finding other phone numbers to call. In all I called 7 different phone numbers that lead me to the same automated system that will not connect you to anyone for help and hangs up on you when it can't help you. This is unacceptable from a company that controls consumer credit information. I understand they get a lot of phone calls and everyone wants to talk to a person. However, there needs to be a way to actually talk to someone and get answers to why our credit reports have been locked!
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$640.00} ; XXXX Balance : {$430.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

MCM # s XXXX, XXXX, XXXX, and XXXX. I have repeatedly sent validation letters to MCM in XXXX, XXXX, XXXX, and XXXX of this year 2018. I have disputed this with all 3 credit bureaus.

MCM continues to send me letters in response ( attached ) stating " they are uncertain what I am disputing '', and have yet to establish that the account is accurate and true in nature.

I have asked to see the original documents that I allegedly signed and they refused. MCM /Midland will not provide them. I never did business with this company. I do not owe them any money as I never signed for a credit card, have business, or a contract with them. 

They are refusing to remove this account from all three credit reporting bureaus in violation of the FCRA. 

I have attached examples of the replies from MCM and their lack of validation. I can provide proof of mailing if needed.
Consumer complaint received 2023-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NC)

Freedom Mortgage bought out my previous mortgage company as of XX/XX/XXXX. Prior to the buyout, my monthly payment was {$820.00} inclusive of mortgage, taxes, insurance, and FHA Mortgage XXXX. 

As of XX/XX/XXXX, I canceled my previous XXXX XXXX as I was able to bundle XXXX with XXXX for much cheaper. From day one, they were charging me the wrong fee for my insurance payment. 

My new payment is now {$880.00} which I have questioned as my taxes and Insurance have decreased and as such, my new payment should have reflected the revised Insurance and taxes. Over the course of a year, I have received numerous statements with different analyses of my escrow, all of which all incorrect. My mortgage statement dated XX/XX/XXXX states once again that I have a shortage in my escrow in the amount of {$1600.00} and therefore, my payment increased to {$980.00} which will be spread out over the course of a year. I have several statements which I can forward upon your request. 

I have a fixed rate of 2.5 % FHA Loan and last year I was informed by a rep that I could pay my taxes, and XXXX XXXX separately all the while explaining I am not eligible due to the type of mortgage I have. I was also informed once I reach 80 % loan to value, I could drop the PMI again explaining that insurance remains for the duration of the loan. 

My monthly payment is {$880.00} of which {$520.00} is the monthly principal and interest payment and the remainder of {$350.00} is to pay XXXX, taxes, and PMI. The math doesn't add up as {$350.00} x XXXX is {$4200.00} of which is to pay yearly taxes of {$1200.00}, XXXX {$1500.00}, and FHA Mortgage XXXX {$1000.00} which totals {$3800.00}. There are numerous complaints against this company and I am asking for my escrow to please be reviewed and resolved as I can not continue to spend countless hours on the phone to get this matter resolved. I have lost countless hours of sleep and it consumes my everyday tasks, especially my job.
Consumer complaint received 2023-07-28
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX O 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!