davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Violation FTC Public Policy derogatory marks left on credit report & CFPB Consumer Protection Act Data Breach of my personal information to dark web, third-partys unknown inquires without my consent, Authorization. Breach of data Employees of Capital One Credit Card.

And theft of information, Mishandling- of- billing- disputes Practices and USURY LAWS of Federal and State.Committing Unfair Deceptive and Abusive- Acts Practices Regulations pursuant provisions of TILA violates Card Act Major provisions Probity of Contract Law didnt provide me with ramifications or Consent. FDCPAct [ 15 USC 1692 et sew. ] & ( FCRA ) 611 ( a ) ( 1 ) ( A ) This is not a refusal to pay However this notice made pursuant Competent ecvidence, Negligent Enablement of Imposter Fraud.

Deceptive- Unfair - Practices.

Abusive Acts Practices of charging interest on loans but limited maximum rate of 6 percent, Violation Federal and State CBP laws mishandling - of- billing-disputes Practices and USURY LAWS VIOLATIONS VIOLATES No Notice, Arbitrary Action Rights denied. Old information reappears never goes away.
Consumer complaint received 2024-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Since XXXX of 2010 navient when navient become my student loan providerI have encountered several significant issues that have prompted me to reach out. Listed below are a breakdown of my issues Inaccurate Billing : I have noticed discrepancies in my monthly statements. Specifically, my payments have not been properly credited, leading to confusion about my outstanding balance. This has caused me to worry about potential late fees and impacts on my credit score. 

Customer Service Challenges : When I attempted to resolve these billing issues, I faced long wait times and unhelpful responses from customer service representatives. On multiple occasions, I was either misinformed or given contradictory information regarding my account status and payment options. 

Lack of Transparency : I have found it challenging to access clear information about my loan terms and repayment options. Despite my repeated requests for documentation, I have not received a satisfactory explanation of my loan details, which makes it difficult for me to manage my payments effectively. 

Payment Processing Delays : I have experienced delays in the processing of my payments, which has led to unnecessary stress and the potential for late fees. I expect timely processing, especially when payments are made on or before the due date.I believe I was steered into costly repayment options that have forced me to pay much more than they should have.i kindly request that you investigate these issues and issue a complain on my behalf to potential dissolve my current balance of {$51000.00}. I attached and example of a forbearance request I received in which I never requested as an example. I would appreciate a detailed response outlining the steps you will take to rectify these problems.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I am writing to formally complain about Experian 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX XXXX account, number XXXX. These errors are negatively impacting my credit score.

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), Experian is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment record is incorrectly reported on my credit report : XXXX : 30 days late This inaccuracy must be corrected, and I request its immediate removal from my credit report. 

I formally request that Experian provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

XXXX asking for your help to address this incorrect account on my credit report. XXXX raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

XXXXXXXX XXXX Initiated a dispute with Citibank XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX for the following fraudulent charges : XX/XX/XXXX XXXX XXXX  {$49.00} XX/XX/XXXXXXXX XXXX XXXX {$49.00} XX/XX/XXXX XXXX XXXX {$510.00} XXXXXXXX XXXX XXXXXXXX {$64.00} XXXX closed out my account and issued new cards with a different account number. 

XXXXXXXX XXXX  - I called Citibank back on XX/XX/XXXX and spoke with XXXX at XXXXXXXX XXXX XXXXXXXX. I was initially told by XXXX that XXXX had not initiated the dispute correctly and was unable to discern information from XXXX as to what happened and transpired with the mistake. She then assured me that their investigations team would work on this issue. I asked for immediate credit stating XXXX XXXX isn't even a company located in XXXX, CA and XXXX isn't a company I've ever done business with. I also told XXXX that I haven't been back to the NJ area since XXXX XXXX XXXX and have no idea what the charge is from XXXX. 

XXXX was extremely agitated by my insistence to want to discuss my issue with an onshore rep in the United States like I initially did with XXXX. She also told me that Citibank changed their policy last XXXX, XX/XX/XXXX and that no rep is allowed to transfer calls onshore for whatever reason.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 
Thank you for your immediate cooperation.
Consumer complaint received 2024-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (OK)

When I mail in payments, XXXX XXXX refuses to post them to principal only. They keep extending my payments due by months in advance. I've submitted a written request for them to apply my payments to principal, but they continue to apply to principal and interest. 

After sending a formal request, they sent me XXXX letter stating that they were going to provide the requested information, but they never have. The last letter was dated XXXX, the other was XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

I had a year leased that ended XX/XX/XXXX then I renewed the lease to XX/XX/XXXX and I moved out on XX/XX/XXXX but the apartment complex was sold to different owners they lost or couldnt locate my first lease and claimed I moved 1 month before
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

Bankruptcy - XXXX - XX/XX/year> The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s- 2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

This is a follow up to complaint XXXX, which was not resolved satisfactorily by Marcus.

I am appalled by Marcus ' cavalier response to my complaint : They have credited my account with a mere {$25.00} when my loss from the freeze on my account and the failed wire transfer is {$410.00}, as detailed in my original complaint. This is entirely unacceptable. Marcus have claimed that they identified " security concerns '' with my savings account, which led them to freeze the account. However, despite numerous requests over the phone between XX/XX/XXXX and XX/XX/XXXX, and in their written response of XX/XX/XXXX, they have failed to provide more detail on what exactly these " security concerns '' were. How is it that funds coming from my own XXXX XXXX account, a platform that is owned and operated by the XXXX government, into my own savings account at Marcus, raised concerns serious enough to warrant freezing my account without explanation for 11 days? The same movement of funds has occurred on multiple prior occasions without a hiccup. Marcus ' claim in their XX/XX/XXXX response that they attempted to contact me during the " transfer processing review '' is patently false. I did not miss any calls from Marcus. My phone log, which I am willing to provide as evidence, shows no missed calls from Marcus. My phone number ending in XXXX is listed as my contact number on file with Marcus. Marcus did not contact me by email or physical mail either. By their own admission in their XX/XX/XXXX response, Marcus ' customer service representatives are incompetent : They repeatedly asked me to transfer the funds in question back to my " account '' at XXXX XXXXt. They refused to understand that this was impossible because XXXX  XXXX is not a bank. They were insistent that the only other way for me to access the funds was via a check that would take up to two weeks to be issued. Contrary to Marcus ' XX/XX/XXXX response, the bank never advised me that the funds could be sent to an additional account. This entire experience has been very frustrating and a big waste of my time. Marcus ' operational shortcomings, procedural inadequacies and blithe disregard for customer service have saddled me with a {$410.00} loss, which I am not willing to bear. I request the CFPB to kindly intercede on my behalf and direct Marcus to credit my account with the remaining {$380.00} which Marcus has yet to pay me.
Consumer complaint received 2024-10-16
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CT)

Barclays sold thee debt to a creditor. I paid the debt with the creditor XXXX XXXX  Account Purchased Current Creditor - Owner This is the name of the company that currently owns the account. This company XXXX outsource collection activity and communications to a third party. 
XXXX XXXX XXXX Seller The company that sold the account to the current creditor. 
Barclays Bank Delaware XXXX ID XXXX This account as settled closed and paid. But Barclays has listed on my credit report charged off.
Consumer complaint received 2024-10-07
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. (FL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NATIONAL DEBT RELIEF LLC (WA)

I am repeatedly getting calls from this company, although they do not provide the company name or any of details. They call me at least 3 times a day. They are also calling my work, many of my relatives, and refuse to stop. I have asked them repeatedly to ceases and desist and they flat out refuse and tell me to do my best.
Consumer complaint received 2024-10-07
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. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-10-09
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : **Immediate Removal of Fraudulent Accounts from Credit Report** I am writing to demand the immediate removal of all fraudulent accounts appearing on my credit report. Under both state and federal laws, these erroneous listings are unlawful and constitute a violation of my rights. I have provided IRS Form 1099-C and 1099-A documents, which confirm the IRS has recognized and discharged these debts, eliminating any basis for the debts to be reported.

Please note the following applicable legal standards : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** This law requires that credit reporting agencies maintain only accurate and verifiable information. Reporting a discharged debt, especially after official IRS confirmation, is considered a breach of the FCRA, and any failure to remove this erroneous data will constitute a willful violation of this statute. 

2. **Truth in Lending Act ( TILA ) 15 U.S.C. 1601** The TILA mandates that lenders provide clear evidence of debt obligation, which must include a signed promissory note or security instrument. There is no signed instrument demanding payment or security instrument by me, XXXX XXXX, to validate these debts. Therefore, there is no enforceable debt, and continued reporting of these accounts violates federal standards. 

3. **Uniform Commercial Code ( UCC ) 9-102 ( a ) ( 23 ) ** Under the UCC, a car is classified as a " consumer good '' when used for personal purposes. Lenders or third-party collectors can not claim the status of an unsecured consumer debt as a basis for collection activities or credit reporting without clear, enforceable documentation. 

4. **Prohibition Against " XXXX '' and Harassment** Any continuation of these misrepresentations could be construed as targeted harassment or " doxing. '' By sharing incorrect financial data, you are exposing me to unnecessary reputational damage, further violating my right to privacy and putting me at risk. This creates a cause of action under both state privacy laws and certain anti-harassment statutes. 

Since you can not present a signed demand or security instrument for these accounts, any further misrepresentation on my credit report is not only unlawful but actionable. Under federal law, you are required to correct all inaccuracies within 30 days of receiving notice. If you fail to comply, I will take all necessary legal steps, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any applicable state authorities.

Furthermore, in accordance with 15 U.S.C. 1681n, I will pursue statutory damages, attorney 's fees, and punitive damages should any party attempt to persist in this illegal reporting. To avoid this, you must provide written confirmation within 30 days that the erroneous items have been removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-12-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SUNTRUST BANKS, INC. (GA)

I have been subjected to repeated abusive and harassing telephone calls with SunTrust Merchant services for an alleged debt. The debt has been disputed as the original charges were due to a " system error '' at SunTrust. Although SunTrust has acknowledged their own error, they continue to harass me with collection attempts.