davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (NY)

I accepted a private student loan with Sallie Mae from XXXX. I began making monthly payments on my student loan beginning XXXX of XXXX in order to pay towards the loan total of {$18000.00}. Every payment has been make on time from XX/XX/XXXX- XX/XX/XXXX. However, the interest rate has made my loan balance impossible to decrease. Although I have made payments in XXXX, Sallie Mae claims to have never received these payments. As a result, I requested for some sort of payment plan in in XXXX of XXXX in order to make up for the payments that Sallie Mae claimed to have never received. However, Sallie Mae declined stating that there are no options available. As a result, I began making late payments in which Sallie Mae decided to contact me regarding setting up a forbearance payment plan in XXXX of XXXX. Although I have made payments in XXXX and XXXX on time, Sallie Mae denies ever receiving a payment for this entire year as well as XXXX and XXXX, and have sold my loan to XXXX XXXX XXXX. I wasnt notifed until XX/XX/XXXX in which I received a letter in the mail explaining that my loan was being sold. According to the mailed document, my loan balance amount is {$18000.00} as of XX/XX/XXXX. 

The loan amount total plus interest that I began with was {$18000.00}. I have been making payments since XXXX ; however, Sallie Mae is claiming that I owe {$18000.00}. This does not make any sense to me. How has my loan amount only gone down by {$100.00} if I have paid over {$10000.00} in total with payments being a MINIMUM OF {$310.00} each month. Due to the payments significantly increasing each month, I am unable to give an exact monthly payment amout as each month showed a different amount. I have attached proof in which payments were made during the dates that Sallie Mae claimed to have not received any payment. I have also attached documentation of sallie mae stating that my payments are overXX/XX/XXXX days late when they were not. I have attached bank statements showing the difference of payment amounts which were based on the total monthly payment requirement of each month. I have more proof and can provide more proof upon request
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp. (FL)

I have tried to pay off the loan but went through a lot from my XXXX  passing away due to XXXX. I have not been able to pay off the with that being the debt collectors keep after me but according to 15USC 1692 I am implying that this pay XXXX XXXX XXXX and The Check Cashing store should'nt be after me and this should be removed from all of my credit directed from all three of the main credit establishments including but not limited to XXXX, XXXX, and XXXX.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (FL)

Application : Truist Bank Credit Card app # XXXX I was solicited by mail and asked to prequalify for a card product by submitting information and told I qualified for 5 products and that no credit inquiry would be recorded unless I accepted the offer.

I accepted one of the offers and was told immediately that I didnt qualify for a card and now have an inquiry on my credit bureau . I would never have accepted the offer if I did not believe that I was going to get an account with 15 months of 0 % on balance transfers.

Nothing materially changed between the prequalifying and the acceptance of the offer.

I think this was deceptive and trying to get my information while also damaging my credit further. Please investigate and audit Truists products accordingly.
Consumer complaint received 2023-05-26
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. (SC)

There are still a XXXX XXXX and a XXXX XXXX account on my credit I have asked for it to be verified its never been verified this is now my 7th time I have submitted to the state attorney general along with both companies and there third party collections a cease and desist and an affidavit of truth and an invoice fining these companies XXXX has removed them although XXXX doesnt seem to believe they should follow the law and experian has not removed them either please have them correct these 2 accounts and XXXX keeps sending in letter telling me to verify myself rather than remove XXXX XXXX off as well this is my 8th time addressing this issue when I have sent in my id address and Ssn several times
Consumer complaint received 2023-09-14
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America to let them know that my payment for {$1000.00} made on XX/XX/year> did not post to my credit card in which I was an authorized user ending in XXXX. When speaking to the representative I said that I transferred from my personal Bank of America checking using their bill pay. I have a paper trail and provide a confirmation number. She said she could see the payment it is missing they need to research it. Since then they have completely messed everything up. They transferred the payment to a personal credit card I have. 
Now my credit card that I am authorized user is stating I am in default it is going to affect my credit. Plus they also removed another payment I made in XX/XX/XXXX for XXXX and applied it who knows where. I have been dealing with this for weeks spoken to multiple supervisors stating the issue will be resolved. Every time I speak to a supervisor the issue has gotten worse. 

It was very simple pull the calls they are recorded listen to them. All I said was my payment didnt post to my credit card ending in XXXX for XXXX now this has snowballed into a bigger issue. At this point I want to speak to a lawyer because it is affecting my credit and it hasnt been resolved. I had a supervisor call and state the account has been corrected and provided a balance of {$6500.00} again I said the XXXX payment was missing. He than proceeds to review the account and seems confused. 

The worse part someone from complaints called earlier in the day and said they need to escalate because it hasnt been resolved. Once the payment is posted my balance should be roughly around XXXX. So when I told XXXX he seemed confused and said they should handle it. But clearly you said it was already resolved had I not questioned him again I would still be missing a payment of XXXX. I want to pay this card off and no longer have anything to do with them. I have been a loyal customer for years XXXX XXXX XXXX XXXX XXXX XXXX but I know many people have complaints.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Reference to Florida FCRA Identity Theft Fraud Laws Dear CAPITAL ONE, I am writing to formally address a serious issue regarding the unauthorized reporting of information to my credit report, which directly contravenes the Fair Credit Reporting Act ( FCRA ) as outlined in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Florida state laws concerning identity theft and fraud. 

It has come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under federal law, as detailed in the FCRA, consumer consent is a mandatory prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal mandates, Florida state law, specifically addressing identity theft and fraud, underscores the necessity of consumer consent for credit reporting. The unauthorized access and misuse of personal information are explicitly prohibited under these statutes, ensuring protection against unwarranted damage to creditworthiness. 

I assert unequivocally that I have not granted consent for CAPITAL ONE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, with potential adverse effects on my credit standing, and a clear disregard for federal and state legal requirements. 

Therefore, I demand that CAPITAL ONE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Florida state laws concerning identity theft and fraud. Non-compliance within 30 days will be considered willful, subject to penalties under applicable laws. 

Compliance with these legal obligations is not discretionary but mandatory, serving to protect consumers from unauthorized and damaging credit reporting practices. This demand is non-negotiable and requires prompt attention and corrective action by CAPITAL ONE. 

I expect a timely resolution to this matter, ensuring full compliance with federal and state regulations designed to safeguard consumer rights and prevent unauthorized credit reporting. 

Thank you for your immediate attention to this urgent issue.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX Subject : Request to investigate reinsertion of collection on credit file in violation of FCRA Dear Sir/Madam, I am writing to bring to your attention a matter regarding the reinsertion of a collection account on my credit file, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ). The collection account in question reappeared on my credit report without proper validation or notification, which is concerning as it may inaccurately impact my creditworthiness.

I would like to formally request that XXXX XXXXt investigate this reinsertion of the collection account and provide me with detailed information on the verification process undertaken. As a consumer protected under the FCRA, I expect full compliance with the law in all credit reporting activities. 

Please provide me with a written explanation of the reinsertion of this collection account, including any supporting documentation and verification procedures conducted. Additionally, I request that XXXX XXXX  correct any inaccuracies on my credit report resulting from this reinsertion in a timely manner. 

I appreciate your prompt attention to this matter and look forward to your timely response. Should you require any further information from me, please do not hesitate to reach out using the contact details provided above. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TN)

This is part of the Wells Fargo claims. I refinanced my home mortgage with them in XXXX and paid the loan in XXXX. I do not believe it was reviewed with the other class action lawsuits because the loan was paid in full. I would like it to be reviewed as part of the settlement. I believe this because when I reached out to Wells Fargo to obtain the loan number last month they infomercial it would take two full months to get the number ( which is ridiculous because I can obtain my XXXX orders from two years ago in 15 seconds! ). If my loan information was so hidden I dont think they reviewed it.
Consumer complaint received 2024-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NE)

15 U.S code 1681c a consumer reporting agency shall block the reporting of any information in 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these immediately! These accounts should not be furnished on my consumer report as they are In violation! Under, 15 U.S code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency written consent to anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion on these accounts listed immediately.
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I don't recall having a contractual relationship with this collection company CREDIT COLLECTION SERVICES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-20
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On XX/XX/year>, I made a payment to my Business Credit card account in the amount of {$15000.00}. Somehow I inadvertently made two payments of {$15000.00} and both payments were deducted from my XXXX XXXX XXXX account on XXXX XXXX. I contacted Bank of America on XX/XX/year> and spoke with XXXX who informed that they until XX/XX/year> to return the funds. I received a letter from BOA dated XX/XX/year>, stating per my request they had transferred {$15000.00} from the {$15000.00} payment back to the originating source CASE NUMBER : XXXX. On XX/XX/year>, I contacted BOA and spoke with XXXX who requested a refund research that could take up to 5-7 business days, claim number for research was XXXX. After waiting the 5-7 business days I called BOA and spoke to XXXX on XX/XX/year>, and unfortunately she was unable to resolve my concerns, she then transferred me to a Supervisor name XXXX in South Carolina XXXX XXXX XXXX informed me that I had to wait 30 days from XX/XX/year> to receive my money due to the amount which would be XX/XX/year>. On XX/XX/year> I contacted BOA again and spoke with XXXX who stated I had to wait 1-2 billing cycles to receive my refund, at this point I was beyond frustrated this was now the 5th representative of BOA I had spoken to and received five different responses. I then requested to speak with another Supervisor and was transferred to XXXX who stated she had spoken with the XXXX XXXX department at BOA and because I had waited the 30 days to please give them to the end of business day to have my funds in my account. I did not receive the funds on XX/XX/XXXX as promised and the following day was a holiday. Today XX/XX/year>, I called the Bill Pay number giving to me by XXXX XXXX and after a XXXX minute XXXX from XXXX  answered and informed I had the wrong department he then transferred me to XXXX in XXXX who spent over forty-five minutes trying to assist going back and forth with her Supervisor that remains nameless. She then put me on hold a final time to say she was still working my case and to my surprise she transferred me to XXXX XXXX XXXX XXXX, who now states I'm in the incorrect department once again. At this point I decided this was NEVER going to be resolved after spending so much wasted time to get no resolution.
Consumer complaint received 2023-09-14
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX CAPITAL ONE NA and CAPITAL ONE XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX