davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (IL)

I have made two attempts to have ATG Credit verify this debt which is a ( medical debt ) within a sixty day time frame. They have failed to do so with no compliance. This is a clear violation of Collection Practice. My first letter was sent to them on XX/XX/XXXX the second letter was sent on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received verification of this debt not to mention, this collection is not HIPPA Compliant.
Consumer complaint received 2022-02-11
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 (FL)

I purchase a home warranty from XXXX XXXX XXXX and used my XXXX XXXX XXXX XXXX for {$570.00} and broke it up in XXXX payments. Over the phone they took my credit card number around XX/XX/XXXX for amount of {$280.00} and the second payment was posted on XX/XX/XXXX to complete the home warranty purchase which wouldn't go into effect until my final payment and I had XXXX days to cancel to receive my money back. I did not sign a contract either. 

I tried to use the service for an electrical repair on XX/XX/XXXX which the company did not respond in time so I sent an email on that date canceling the service to that company and also contacted Capital One XXXX about the problem that I canceled the service and wanted my refund. I was told that Capital One has an afflation with XXXX XXXX XXXX and I would need to submit more information which I did, including the cancelation email. 

Now Capital One wants more documentation because XXXX XXXX XXXX said they did not receive my cancelation even though they had my email showing I sent and canceled the service on XX/XX/XXXX. I also spoke with someone on the phone about the cancelation ( think was XXXX XXXX and he stated the service would be canceled. So Capital One decided to apply the {$280.00} XXXX times on my new XXXX XXXX ( which I did not authorize ).. 

Due to the affiliation ( which a customer service person told me ) I think XXXX XXXX is intentionally making it difficult for me to receive my {$570.00} back.
Consumer complaint received 2022-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (GA)

XXXX amount {$2000.00} and XXXX {$250.00} and XXXX {$2200.00} and {$1900.00} at nativent school went out of business or closed down and they spent my information to some school that is called aidvantage that I do not have any Knowledge of or did not sign a conTrac with aidvantage I feel like it should be discarded off all my credit reports its stop me from been able to get thing. And I also been disputing it off my credit and I also contact to the school about this matter
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (IL)

ConServe owns my SBA loan debt, but never attempted to collect on it. Any payments made were collected by Treasury. Despite trying to contact ConServe, I have been unable to speak with them about this debt. For the last two years, Treasury made no collection, and I did not hear anything from anyone.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MN)

I don't entirely know if this complaint is going to the right place but here goes. 

I got a text message at roughly XXXX XXXX  on Friday, XX/XX/XXXX stating the following : USBANK : Your bank account is temporarily limited due to suspicious activities, visit XXXX XXXX XXXXXXXX for account verification. 

I did not open the link. This came off as immediately suspicious because I don't bank with US Bank. This is clearly a scam/phishing scheme and I just wanted to report it. Thank you for your time!
Consumer complaint received 2024-09-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AdvantageFirst Lending Inc. (MI)

Loan process, and approved in XX/XX/year>, along the way there were some additional documents needed, my daughter provided, appraisal paid for, and completed along the way. Loan officer XXXX XXXX advised myself not to pay any of my bills, mortgage, credit cards because it would all be paid off at closing, XXXX came loan still not completed so I paid my credit cards, and I asked XXXX if he was going to move forward because I can go elsewhere, he stated he would get it done its just taking longer than it should due to additional info needed. XX/XX/XXXX, he emailed my daughter to inform me to pay my mortgage, I paid mortgage and because of the holiday ( XXXX XXXX ), my mortgage posted late, XX/XX/XXXX, and because of that per XXXX XXXX I no longer qualify for the loan. XXXX XXXX never contacted me to inform me to pay mortgage, instead he emailed my daughter who does not check her emails often. I am now out of appraisal money, and months of waiting to have this loan processed when I coulda moved forward with another company, instead XXXX informed me it would happen, and because of him not communicating directly to me about paying my mortgage when he advised me not to I no longer qualify because my mortgage posted late due to him not making me aware to pay it XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing is attempting to carry out an illegal foreclosure sale against my homestead residence without any right to do so. Below, I will highlight the reasons this is a wrongful foreclosure action in XXXX XXXX Florida. 

1. This wrongful foreclosure case began on XX/XX/XXXX, more than 13 years ago. 
2. Case was dismissed for Lack of Standing on XX/XX/XXXX, by XXXX XXXX XXXX. ( XXXX Docket # XXXX ) 3. Discovery was compelled to Plaintiff to prove Standing on XX/XX/XXXX, by XXXX XXXX XXXX. ( XXXX Dockets # XXXX, XXXX, XXXX, XXXX, XXXX ) 4. Eight days later, Plaintiff filed notice of dismissal on XX/XX/XXXX, since they would not respond to compelled discovery to prove Standing. The effect was the Plaintiff admitted a Lack of Standing. ( XXXX Docket # XXXX ) 5. The requirement that a Plaintiff must have the right to foreclose has never been proven by this Plaintiff, which is unlawful. 
6. Case was dismissed for Lack of Standing on XX/XX/XXXX, by XXXX XXXX XXXX XXXX, XXXX ( XXXX Docket # XXXX )
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-02-17
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. (OH)

I have an unverified account from XXXX XXXX and XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX and XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY and ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that _CHOICE RECOVERY and ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX - my account was suddenly restricted- when I called the number on the website- they stated it was because of a recent transfer to my account- the representative stated that they would be sending me information via postal mail as to the investigation and subsequent decision. Again, that was on XX/XX/XXXX, it is now XX/XX/XXXX and I still have a restricted account. No letter, no email, no phone call - zero communication. Now when I call the number provided to find out details, the reps have no answers and tell me I need to speak to the Case Review Department, however they have no number they can provide for direct contact. Instead I am left to leave a voicemail - which I did on XXXX  XX/XX/XXXX at XXXX PST - No response. I did the same on XX/XX/XXXX at XXXX PST. Still no response, no letter, no email - I have zero access to my account and still have no concrete reason for why the account was restricted - I had not abused the account and used it a few times. Verification was required before I could open the account, and I sent it via the means they requested. Account was opened and used, without any problems. 

To date, I mercifully have access to accounts online, however I am sure they will cut this, once my complaint is received. The number on online says I call XXXX, with zero help from those reps, they can not even see what the problem is on my account- then you can be transferred to the " Case Review Team '' where you leave a voicemail- the recording states the department is " unavailable ''. 

Again, to date, you can not even speak to a live person at this department, and are at the mercy of if and when they decide to assist you. You leave a voicemail, and hope that that someone will return your call. BOGUS!
Consumer complaint received 2022-02-11
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. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXXUnfair practices Under XXXX XXXX XXXX XXXX civil liability
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (FL)

Ive been scammed on the internet by a so called trading company. When these people were in the process of scamming me I received a letter through my regular mail about the Lending Club bank based in California. They were offering high interest rate loans of up to XXXX XXXX. Because I was operating under the illusion I was making good profits in the gold vs dollar market and being conned by the scammers, I applied for the loan to deposit more money in my trading account that in the end was all fake and I could never withdraw any money from it. The loan was approved in 3 days and they did not ask for any proof of income. They only checked my credit score and went ahead with the loan. Now. this scam I was the victim of is being investigated by the FBI. I had never applied for a loan before and did not search on the internet so it is really kind of weird I received that promotional letter from Lending Club at the moment I was being duped. Im in the process of filing for bankruptcy since it will be impossible for me to make 1390 monthly payment for 36 months. The first payment has already being debited from my bank account but I intend to close this account.
Consumer complaint received 2022-02-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I have called Experian numerous times, to try to figure out the address of where to submit a Police Report, or to figure out the process to do so. Their automated system refuses to let me make a dispute or to talk to someone. 

Experian is supposed to be a reporting agency, not a business to collect money in order to process a transaction. I've had a security freeze on my Experian account for almost two years, and somehow they still let companies place fraudulent/ identity theft related accounts onto my report. Then they refuse to pick up the phone in person most days, and their automated system gives me the go-around. Their automated system also gives me less and less options to choose from each time I call. I'm to the point of frustration. 

If I can not even obtain an address of where to send in my police reports, so that fraudulent information can be removed from my account, then what purpose does Experian have to exist, if they also can not protect the consumer against fraud? They are actively engaging in unlawful practices.
Consumer complaint received 2022-02-11
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. (DE)

XXXX XXXX  HAS VIOLATED MANY OF MY FCRA & FDCPA RIGHTS!!! I HAVE SEVERAL VIOLATIONS I PLAN TO TAKE ACTION UPON!!! NOT ONLY HAVE I BEEN VIOLATED & TAKEN ADVANTAGE OF BY THIS COMPANY. THEY ARE UNLAWFULLY REPORTING & RUINING MY REPUTATION!! VIOLATIONS - DELETING FROM 1 REPORTING AGENCY & NOT ALL - REPORTING NEGATIVE REPORTS TO CREDIT BUREAU - HARSSING COMMUNICATION TACTICS- VIOLATION IN FIANCE CHARGES - THYE ARE NOT THE ORIGINAL CREDITOR " I '' AM - SEZIED PROPERTY NEVER NOTIFIED OF MY RIGHT OF RECESSION - UNLAWFUL SEIZE & SELL OF PROPERTY THE LIST GOES ON!
Consumer complaint received 2022-02-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

ON XX/XX/2022 EXPERIAN DELETED AND INACCURATE FRAUDULENT ACCOUNT. THIS INACCURATE ACCOUNT HAS REAPPEARED ON MY CONSUMER REPORT WITHOUT ME BEING NOTIFIED WITHIN A 5 DAY TIME PERIOD PURSUANT TO 15 USC 1681i ( 5 ) ( B ) ( i ) ( ii ) THIS IS AGAINST THE LAW! I ALSO KNOW ANY TRANSACTION THAT IS HELD BETWEEN MYSELF AND THE PERSON SHALL BE EXCLUDED FROM MY REPORT PURSUANT TO 15 USC 1681a ( 2 ) ( i ) I NEVER GAVE EXPERIAN PERMISSIBLE PURPOSE TO REPORT THIS INFORMATION. IM UPSET BECAUSE THIS IS BRINGING DISHARMONY IN MY HOME AND CAUSING ME TO LOSE OUT ON EMPLOYMENT OPPORTUNITIES WITH MY LOCAL CAR DEALERSHIPS.
Consumer complaint received 2022-02-11
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. (AL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IN)

XXXX XXXX XXXX XXXX XXXX is reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-11
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XX/XX/XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXXXX/XX/XXXX daughter PLEASE HELP ME PLEASE