davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
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 (KY)

I have called entirely too many times to file a dispute at Capital One with XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX, KY. They refuse to reopen a case by Friday, XXXX, XXXX, the deadline, for the dispute where I was scammed. I received and payed for a tattoo to be performed on XX/XX/2023. The tattoo fell apart/off in 3 days. They received PLENTY of documentation of the photos, text messages between the owner and I, as well as proof where I asked the owner to fix her performed tattoo that she failed!! This business keeps denying to open to dispute because XXXX XXXX, the owner, REFUSED TO GIVE ME THE RECEIPT. She said she didnt have the paper for the machine and was having technical issues with her square reader to where she could not email me the receipt. I paid {$1100.00} and theyre refusing to aid me in any way to resolve this and get my chargeback! This place has also closed down and announced it on their social media XXXX page. This is classic scam behavior. Al because I do not have the receipt and they agree I should be refunded elsewise, I cant get my money back and they refuse to do anything about it. I filed a no contact order and this disputes account manager told me that THE ONLY OTHER RESOLUTION WOULD TO HAVE A 3 way call with the person I have a NO CONTACT order against. I told them NO, Ill go to XXXX They said they cant aid me to get my money back.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CL Holdings LLC (AR)

On XX/XX/XXXX, I borrowed XXXX from XXXX. Apparently in XXXX my loan was sold to Jefferson Capital and I was not notified. Jefferson Capital filed a judgement against me. They claimed on the judgement paper my loan had been in default since XX/XX/XXXX and my last payment was XX/XX/XXXX. On XX/XX/XXXX it was sold to Jefferson Capital. I was never notified of the new lender and now I have a judgement against me for this debt.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process your agency followed regarding the disputed accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I identified inaccuracies in the reporting of an account with XXXX. Specifically, I noticed that there were two late payments inaccurately marked on my account. I would like to clarify that these payments were made on time and request that this information be corrected to reflect timely payments. Despite my previous dispute submissions, I have not observed any corrections or changes in the reporting, which continues to inaccurately reflect late payments on this account. 
Account Information : Creditor : XXXX Account Number : XXXX Discrepancies : The alleged late payments are reported on TransUnion for XXXX and XX/XX/XXXX as 30 days late. However, I have consistently made timely payments, as demonstrated by the attached payment records. These records substantiate that my payments were made as agreed and are evidence of a reporting error. It is concerning that, despite my previous dispute, no adjustments have been made to correct this information. 
Reference to FCRA Compliance and Accuracy : As outlined in 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should accurately reflect the transactions between myself and the reporting entities. Late payment reporting inaccurately reflects my payment history and misrepresents my adherence to the account terms. 
I kindly request that you provide a description of the procedure used to investigate and verify this account. I also ask that you include documented proof of the late payments if available, detailing dates, amounts, and relevant communications supporting these claims. In the absence of valid proof, I expect the credit reporting to be corrected promptly. 
Request for Corrective Action : If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I ask that the account status be updated to " Paid As Agreed Never Late. '' As required by the FCRA, I request a written response within 30 days of receiving this letter. Failure to provide a timely and compliant response will be considered a violation of the FCRA. 
Your cooperation in ensuring the accuracy and fairness of my credit report is crucial. I look forward to a prompt response and a resolution that aligns with the FCRA and the Truth in Lending Act. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 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 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. 

TRANSUNION REPORT
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I canceled my Capitol One credit card.on XX/XX/. I have a rewards balance due owed me of {$56.00}. The company told me that a check would be mailed to my address within 60 days. 

73 days later. XX/XX/, and no check has arrived. I called the bank at XXXX to ask them to send me my money. Their automated answering system asked me to verify myself by my social security number since I did not have my card number. 

After going around in circles with the automated system, I finally got to talk to a live person. I reminded them that they owed me money and that it hadn't arrived within the time period they communicated. I asked them directly to send it immediately. The representative said they had to verify it was me. They would not accept the phone number I gave them to send me a security code. They sent me a web page link to my phone that brought up a blank page. They asked me for a land line and I don't have one. 

All this in attempt to verify my identity and send me a check that they were suppose to send anyway. 

I got transferred to another person who attempted the very same steps. I think they do not intend to send me the funds they owe me. I wish to file a formal complaint.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of identity theft, I have no connection with midland credit XXXX XXXX please help me. 

I am a victim of XXXX XXXX and identity theft these accounts aren't mines.
Consumer complaint received 2016-06-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services (NC)

I 've had a vhicule loan for about XXXXyrs.or more & was keeping it up financially untill I was injured about XXXX diffrent times, & would refinance the loan to stay in good stanging untill this last time I was in very good standing, & XXXX of the loan officer kelp requesting me to refinance just to have time off from making a paymt.for XXXX months. & XXXX. So I did, & sign all the paper work that he ask me to sign, & XXXX dayslater he call me & told me that I needed to come & sign over the title because he forgot to give it to XXXX signed, but I just did not have time to go back to their office at that time, & he would call me about XXXX more times requesting for me to come & right as I thought about taking time to go there, he called again & I spoke to XXXX their reprsentative to let her know what was happening & that their reprsentative is acting like I did something wrong, but he is the one who forgot to give me the papers to sign, so he should come to me, or send the paper for me to sign..the next month comes for me to make paymt. & another reprsentative asking for paymt., but I had up to XXXX days to make it ... so I call their big office & wanted to make a paymt Through them as i had done before but they referred me to a online paymt., so that is what i did. 
XXXX of the female reprsentative mentioned that they have a XXXX lien & another company has a second lien & that is the reason that i am understanding why they are harrassing me to sign title paper. Making it clear that they do not want the second lien holder to have an oppotunitive to get a XXXX. lein on the title.. 
I told them that I am going to make this complaint because they would not allow me to make my payment on time to XXXX of their reprsentative who had call me that morning & stated that he would be there untill closing if I wanted to pay & when I called he would not come to the phone. I fact no one came which would make my payment late & then they tried to get me to refinance the loan that I just recently refinanced & I was caught up on my payments ... Mostly everything I have mention was / is recorded on my android ....
Consumer complaint received 2017-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (CA)

I have both a Wells Fargo checking and savings account and my daughter has a student loan with them. 
In XXXX XXXX, XXXX, I took over repayment of the student loan of which I am a co-signer. I made a payment of {$170000.00} using the Wells Fargo Co-signer App which processed successfully and noted the monies had been removed from my available balance. 
My plan was to be at least XXXX or 2 months ahead of schedule, so I submitted another {$350.00} payment on XXXX XXXX, noting that the monies were immediately withdrawn from my account. Normally the XXXX 's XXXX XXXX Pay history would reflect all submitted payments ; however, neither payments are now reflected on my bill pay history, although XXXX payment has been credited on my daughter 's student loan document and I 've included an email regarding the {$350.00}. These were removed once I started voicing my concerns. 
XXXX payment was successful. However, Wells Fargo cancelled both XXXX and XXXX payments and then charged late fees. 
On XXXX XXXX while out of town, I went into the Wells Fargo Bank in XXXX, questioning why I had received an email stating they could suddenly not process my payments when the money had been withdrawn. Personal Banker, XXXX XXXX gave me the number to Wells Fargo XXXX XXXX XXXX. 
I then contacted XXXX Services and was told the account was past due. I protested and stated I used their application which showed the submission dates and listed the corresponding confirmation numbers and that this information was available online. She confirmed that Wells Fargo had setup and owned the XXXX Access App for usage. She then explained I was only allowed XXXX payment per month, which would explain why the XXXX XXXX payment of {$350.00} was unsuccessful. I responded, I have never had problems giving my money away and could not understand how a banking institution would not take any and all payments! I mentioned I would have to follow-up on XXXX XXXX, when I returned home. 
At home, I logged into my online account and found that Wells Fargo had completely removed all of the entries relating to payments to the Wells Fargo XXXX XXXX. Ive spoken with a total of XXXX of XXXX XXXX representatives requesting they restore my statement as reflected on XXXX, so that I could confirm that all monies had been credited back into my account, but to no avail. 
I believe Wells Fargo is purposely attempting to cover-up their inefficiencies and not crediting the proper accounts and charging late fees to the unsuspecting. 
If Wells Fargo is without fault, why did they remove the educational loan submission entries from my online statement and bill pay history? 
I would appreciate your help in my recovering all late fees and visibility into what happened to the monies removed from my account. ( FYI XXXX payment processed successfully!! ) Thank you, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-09-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Clear Debt Solutions, LLC (TX)

charging outrageous fees tried to set up a payment plan but unsire who I am paying they keep harassing me at work calling my cell phone saying they are going to verify my employment. Im trying to fix my credit with a consumer credit services and they do n't want to wait for payment. He be littles me saying I broke the law trying to embarrass me
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

My mortgage loan was transferred to another company and I was never notified. My mortgage payments were returned to my bank account, during XX/XX/XXXX- XX/XX/XXXX, and now my mortgage payments are in default. A company named XXXX XXXX XXXX XXXX is now threatening me, and stating that my house in going to be foreclosed unless I pay over {$17000.00}. As of today, XX/XX/XXXX, my mortgage payments are still deposited into the original mortgage loan account. XXXX XXXX XXXX XXXX notified me that my payments are being received under the original account number that I have been using for the past 20 years.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (TX)

I was issued an American Express Gold XXXX Card back in XXXX 2016. I have never been late, I have always paid on time and I have never had an issue. My daughter is an authorize user and went out of the country to XXXX in XXXX 2016. American Express declined her charges and I was contacted immediately. An AMEX representative told me that I needed to provide a XXXX and that they would walk me through the process. I completed based on the instructions, I was also asked to provide my XXXX and Pension information as well. All of this information was provided and I have the income so I was not worried. then 2 weeks later they cancelled my card. I contacted them to figure out they said a box was not checked on the paperwork they ask me to complete. They then told me to pay my balances early and then reapply for the same card it should be no issue. Well it has been decline 3 times stating AMEX cancelled my card. I have called 10 times plus and they are now saying my credit is the issue. There has been no change in my credit from issue of my card to now with the exception that AMEX has had me apply for several cards just to have mine sent back to me. They are very discriminatory and no explanation they have provided has made sense. I have every letter and they also say because American Express cancelled my card. I am a Federal employee and I know the law and will fight this to the end because I know how these companies try to get over on consumers. I have never been late, nor a slow or no pay with my American Express.
Consumer complaint received 2024-10-14
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. (IL)

To Whom It May Concern, After reviewing my credit reports, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you have followed all applicable laws and regulations in your reporting. Therefore, I demand the removal of all negative and adverse remarks associated with these accounts. 

The inaccuracies involve the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> Status : Collection with a balance of {$620.00} XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> Status : Collection with a balance of {$140.00} As you know, it is against the law to report any information that is not proven accurate. I demand that you provide me with concrete evidence of my obligation to the aforementioned accounts. ( If these matters have been properly taken care of, please disregard this letter. ) Please also be aware that I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft. As such, I request that you remove these accounts from my credit report immediately, as they are fraudulent and negatively impacting my credit score. 

If you are unable to provide the necessary documentation to validate these accounts, I expect all negative remarks to be removed from my credit report immediately. Please confirm in writing once these changes have been made. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

Based on, 15 U.S. Code $ 1681c - 2 a consumer reporting agency shall block the reporting of any information in the the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. Under 15 U.S Code 1681e ( b ) & 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy. In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights. Pursuant 15 USC 1681 section 602A states I have rights to privacy Pursuant 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Consumer complaint received 2017-02-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SALE DATE SET FOR TUESDAY XX/XX/2017!!!!! 
A modification package was sent in on XX/XX/2017. Please see attached email confirming that information. The homeowner has a sale date set for XX/XX/2017. We have been contacting SLS on a weekly basis since that week. Each week they have asked for ONE thing. Homeowner has diligently complied with every request to the extent that a full narrative would not be productive. SLS is now stating they did not have the file 37 days prior to the sale date which is inaccurate. SLS is refusing to properly review the file and stated that they are foreclosing on the home. This complaint is being sent in for numerous reason. XXXX has been discriminated against based on his race, ethnicity, language and national origin. The number of times that we have spoken with SLS to check status of the file should extinguish any opportunity to excuse their behavior. 
The attitude from the employees and or managers in unacceptable. Furthermore, SLS does not know how to properly review the file. There is NO reason for this to be happening. The file made it to underwriting and they are STILL refusing to postpone the sale date. They are in violation of the CA homeowner bill of rights and are dual tracking. Today on XX/XX/2017 employee by the name of XXXX confirmed they are dual tracking. he stated " they are aware of California laws and are still foreclosing, '' Supervisor XXXX was informed of all issues and the fact that they had the file since XX/XX/2017, and refused to offer any assistance. The events described above are just a sample of the practices that are taking place with SLS. 
There are additional numerous issues. 
1 ) Failed to timely respond to loan modification applications ; ( 2 ) Failed to accurately inform what information was missing in order to process their loan modification application ; ( 3 ) Falsely stated the application was missing information that had already been provided on numerous occasions ; ( 4 ) Denied borrowers ' loan modification requests without an appropriate explanation ; and ( 5 ) Wrongfully threated foreclosure while a borrower 's application was still under review. 
We will be filing a complaint in district court if the sale date is NOT postponed.
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems of the Fox Valley, Inc. (TX)

I found out that I had a medical claim against me using my maiden name and an old address from before XX/XX/XXXX. They said I had lab work done on XX/XX/XXXX when I did n't even live in that state, nor have I ever visited their facility in my life. I also was married and XXXX on XXXX that had me XXXX multiple occasions in XXXX. This claim is from XXXX. Not sure if this is identity theft of what but it could not be from me!