davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My case number is XXXX. I just received this e-mail ( below ) from you this morning. Last night, Capital-One put their false information back on my XXXX credit report, for at least another 60 days. So, tell me, while this case is in dispute, they are allowed to report false information, that has been disputed??? I read the FCRA and my understanding is they are to REMOVE the ( false ) information while the account is in dispute. Is there no justice here? And WHY are they allowed 60 or more days? I 'm going to write the FTC now, and get my attorney involved. This does not pass the smell test. 

XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ XXXX : XXXXXXXXXXXX ] Sent : Wednesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX We will let you know as soon as we receive an update about your complaint. 




Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Hi, I made a payment to Capital One, my credit card company, on Tuesday XX/XX/XXXX with my debit card, over the phone, the way I usually do. 

They still have not presented the payment to my bank, it is now a week later. 

It seems clear that they are holding this payment until after XX/XX/XXXX because they hope that my bank account will not be able to cover the payment and that I will then have charges and a higher interest rate to pay. 

Is this a new way the credit card company has found to increase its revenue, Can they be doing this to others as well? 

When I called customer service they said the had the right to hold my payment. 

Are they allowed to do that, it seems that they should have to present my payment to my bank within a day or two of it being made.
Consumer complaint received 2015-12-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XXXX XXXX, 2015, I logged into my XXXX Credit Card account to make payment. I could not access my online due to account being blocked from online access. I contacted XXXX on XXXX/XXXX/2015 regarding the message received. I was advised to send in documentation of my XXXX from the military. XXXX documents were fax to XXXX on XXXX/XXXX/2015, fax confirmation # XXXX at XXXX. Several days later I called XXXX to inquire of the status of those documents and was told that the documents had not been received. I faxed another copy of the documents on XXXX/XXXX/2015, fax confirmation # XXXX. I called XXXX Bank regarding the status of my reference account member # XXXX and was told by someone from the Executive Resolution Team that they did not know why the account was closed, as he could not see the reason. I requested to pursue this matter in an appeal process because I should know the reason why my account was closed. I have been a member of XXXX bank and have never had any issues with my accounts including making on time payments.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

I have disputed this money that they say I owe.each time I dispute this on my account the original dates change This has been on my account and have been sisputing since XX/XX/XXXX now since the last dispute they are showing the date of the year XX/XX/XXXX.I have also asked this to be verified with the a signed contract with my signature with all XXXX credit bureau which has not been presented. I want then to stop and remove from my credit report or provide a signed contract which I have never done with this company.Diversified Consultant in XXXX Fl
Consumer complaint received 2015-10-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My husband noticed XXXX dollars was withdrawn from my checking account through my debit card but my ATM card was not stolen. I had it on my person, but I never made these withdrawals. It was XXXX increments of {$600.00} for a total of XXXX. It was XXXX different locations of ATM machines in our same town of XXXX, TX.
Consumer complaint received 2018-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ID)

There is an issue every time I have to deal with these loans. I am not the borrower, I am the cosigner for the loans. Just today I was told that the loans show paid in full in their system by the first person I talked to and then the second person told me that the information I had just received was incorrect. I have had these issues for years. In total I have paid XXXX toward the loans. The original amount borrowed was XXXX they now say that I owe over 90000.00. There is atleast 1 payment that was never applied to the loans and a bunch of payments that were misapplied. Mainly they just apply the full amount to one loan and nothing to the other loans and continue to charge excessive fees and call to let me know that the payments are delinquent even though they were being automatically withdrawn monthly. Anytime I call to address any problems it takes hours of time and several people that aren't able to handle the problems. In order to be able to identify their processing issues I had to hire and pay an accountant because their records are completely user unfriendly.
Consumer complaint received 2018-10-30
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: DISCOVER BANK (CA)

I put a downpayment of {$2300.00} using my Discover card on XX/XX/XXXX, to an online education through XXXX XXXX XXXX XXXX.and to be scheduled to attend training event due to commence this year XXXX and the future which was canceled due to the FTC shut down. XXXX  which is a global internet company and I started receiving ongoing business training nearly every week and including monthly newsletters about how to grow your business and achieve customer acquisitions in XX/XX/XXXX. I tried to contact XXXX  after I learned that they were shut down by FTC but no luck, I contacted Discover to dispute my payment due to XXXX can not deliver anymore & all the basic learning are useless since XXXX is out of business. Discover stated that unfortunately, they can not help me with the dispute and suggested to find other resolution outside their company.
Consumer complaint received 2018-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XX/XX/XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX ) proof of deletion 2. My police report 3.  My FTC report 4. My Small claim form
Consumer complaint received 2018-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Texas Guaranteed (TX)

I called the debitor they say this loan, two of them are mine. I called XXXX and XXXX XXXX they told me this was done electronic with a electronic signature .I was out school in XXXX was paying one one loan to government student loans XXXX and XXXX XXXX only.. Then this shows up on my credit XXXX, that I went back to school took out more loans .I stopped paying my loans to get this fixed and removed as fraud .I called XXXX and they say I owe for a colorado college loans I know nothing of colorado student loan.. I never did online signatures and I only went to one school which I have documentation to and payments. I told XXXX this, now they are saying I agreed to pay XXXX dollars a month payments .. I did not agree to anything with them.They are sending me bill statement thru the mail now. This is harassment to me. I had a fraud alert on my credit for yrs and yet this happens to me now. Why was my fraud alert lifted off my credit reports this would not of happened it alerts were still on the credit reports. How do I get this XXXX school loans off my credit reports and how do I prove fraud???
Consumer complaint received 2023-04-09
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. (CA)

I'am writing to dispute several accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX. ) XXXX XXXX  Account # : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ) XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX. ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX, has violated my rights. 
15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-09
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. (VA)

Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from Equifax LLC . I have reviewed my credit report and found that there are violations of the following federal laws : 1. 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my credit score.

2. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law.

3. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law. 

I am requesting that Equifax LLC promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that Equifax LLC provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I did not give XXXX XXXX XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX XXXX XXXX, EXPERIAN and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX XXXX XXXX yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing two different dates violating me even further. 

My complaint is also with XXXX and EXPERIAN who are allowing XXXX XXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX or EXPERIAN permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX and EXPERIAN.
Consumer complaint received 2017-07-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/XXXX I feel behind in payments due to illness and unemployment. In XX/XX/XXXX I was in a truck accident in the vehicle I got from Santander for which the vehicle was upside down when medical personnel arrived and the truck was a total lost. I gave them the vehicle back and had GAP insurance. I thought it would cover the cost of the vehicle and make me break even, they also sold the vehicle and mad a profit off it and they did n't take the sale amount of the truck. Also they are still charging for this vehichle. perpetratory charges of late fees and interest, these vehicle they got me owning more now than the original amount of the vehicle. They keep reporting different amount to the credit bureaus each month a duplicates sometimes. I cant believe these lender can do this to my as a consumer i feel like my constitutional rights have been violated.Every month these lender is causing derogatory marks on my credit bureaus.Please help with this matter.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (IL)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CO)

A collection account has been added to my credit profile by LVNV FUNDING LLC. XXXX discharged this Debt. I am also paying the original Debt to the XXXX XXXX XXXX. This Debt had no right to be sold. I became disabled when I had this account and informed XXXX that I was enrolling in XXXX XXXX XXXX in XXXX  because I could not work. I have seen this Debt three different times.
Consumer complaint received 2018-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (GA)

I am writing you because I strongly believe that I am a victim of predatory lending because of the high interest rates I am paying for my loan. 2 ) I have tried two years in a row to refinance this loan. All attempts were fruitless. I have faithfully paid my loan on time. 3 ) Each time my refinance application was denied. 4 ) This complaint is about Wells Fargo. 5 ) People involved names are unknown to me.
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC (TN)

The alleged company Fed Chex Recovery contacted me in XX/XX/XXXX regarding a textbook rental from spring XXXX, which I no longer have in my possession and believe to have returned at the close of that spring semester. The representative from FCR explained that the book was rented from a website called textbook rush, which is valid, but my account on XXXX XXXX shows no overdue books and I received no online correspondence in the three years since I rented books from that company to indicate that the book was allegedly overdue. It was already fishy that I was receiving calls about the book three years too late, especially considering the high late fee of {$500.00} when I rented the book for less than {$100.00} and paid for it in full, but in addition I called the Secretary of State in both states from which I received phone calls ( Nevada and Arizona ), and both Secretary of State offices declared that FCR was not registered as a legitimate business in their records. In addition, I checked my credit report in XX/XX/XXXX, and that credit report showed no record of debt for any textbook rental. I receive calls every 2 weeks from different phone numbers in different parts of the country claiming to be representatives of this FCR debt collection agency. I am currently reaching out to textbook Rush to make certain that no books are overdue on my record.
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (FL)

I received at least 1 XXXX XXXX MasterCard (Barclay issued a card with one number XXXX XXXX XXXX XXXX)) that I never applied for. I then received a statement from XXXX   XXXX MasterCard (different account number XXXX XXXX XXXX XXXX) with a balance of $XXXX apparently charging me for expedited delivery (which I did not receive) of the card I did not request!! I have been trying for the last day (XX/XX/XXXX-XX/XX/18) to reach anyone at XXXX XXXX MasterCard to rectify the matter (close the account(s) and remove the fee). They are apparently having some issue with their computer system and cannot access my account (an actual human being told me this) and therefore they have not been able to address this matter. My only prior contact with XXXX XXXX was purchase of a ticket for airline travel that I never completed earlier this year. I find it utterly unacceptable that first, this company does not protect its data such that credit cards are fraudulently issued (perhaps more than one) and second they do not provide a means of addressing these matters immediately even if their computer system is having issues.
Consumer complaint received 2018-10-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Knight Adjustment Bureau (CA)

In XX/XX/XXXX, I completed a Voluntary Repossession of a vehicle. I turned it in because I went to prison for XXXX years. the company closed out the account and reported it as a closed account, repossession, etc. THAT account is about to fall off of my report. 

They then passed the account to a collection agency. They continue to report an open account, past due, each month. 

Is it legal that an account NEVER ages?? Can they continue to harm my credit on something that has been over with for nearly 7 years? What are my rights? How can I get the collection agency to stop reporting on my credit? 

It is the only negative left on my credit report. I could get a fresh start after spending XXXX years in prison on an illegal sentence as ruled by the Utah Court of Appeals in XX/XX/XXXX. 

PLEASE HELP. Name of Collection Agency is Knight Adjustment Bureau in Utah. 

Thank you.
Consumer complaint received 2018-10-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP (IN)

Selene Finance has given my realtor and myself the go around in order to get a letter stating what is owed on the mortgage. We have had to reschedule our closing on this home twice now. I have called the company every day for the last week, multiple times in a day to get the letter either emailed or faxed to me with no luck.
Consumer complaint received 2018-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Self Lender Inc (FM)

I applied for a self lender account to help build my credit. I was denied due to the fraudulent XXXX XXXX XXXX account that is being reported to XXXX  by XXXX XXXX XXXX. I have provided several times the police report associated with the fraudulent account to XXXX XXXX XXXX Check Digital Fraud Claims department several times but the account still has not been deleted from my XXXX  report.