davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Capital Services, Inc. (CA)

So ive tried working out a settlement with this company and they say they cant settle do to the company still owing this dept and they can charge big amount of intrest on a dept that was written off to them ... they call me with out trying to work with me they just say that I have to pay XXXX and it just keeps on adding intrest on a collection that 5 years old.. it was XXXX and its XXXX ... We have attempted contact with XXXX with no response. ACS is not a debt buyer. This debt is still owned by XXXX. The account was assigned on XX/XX/2011 for {$350.00}. After 5 years the interest is {$200.00} for a total of {$560.00}. If we would receive a response to our attempts to contact, the interested could be reduced upon agreement for payment. We have never received a response after 5 years, 3 letters, & 6 messages. this a lie because ive tried contacting them and working something out and they wont work with me on a consolidation of dept ... they say they do n't work with cfpb.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Prosper Marketplace, Inc. (FL)

On Friday, XX/XX/2022, I called Prosper Customer Support and advised them that the Social Security number they have on file is incorrect. After 2 hours, I was told to email a copy of my ID and a copy of my of Social Security. They stated once it was submitted the issue will be corrected within a few hours. 

On Monday, XXXX XXXX @ XXXX, I received an automated email from Prosper Customer Support stating they received my question or concern and will respond as soon as possible. 

On Wednesday, XXXX XXXX @ XXXX, I received another automated email from Prosper Customer Support confirming they received my issue and are working to address it as fast as possible. 

On Monday, XX/XX/2022, I contacted Prosper Customer Support to follow up on my issues. After 2 more hours, I was told that an email was sent to a supervisor as sent an email to another department to speed up my issue. I then requested just to close the account. They refused to close the account.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am filing this complaint in regard to deceptive practices of the Capital One Financial Corporation and request you conduct a full investigation of possible Servicemembers Civil Relief Act, Military Lending Act and Truth in Lending Act violations. When I applied for the Capital One Venture Card I was told that annual fees were waived for military, no additional stipulations were mentioned. This is still reflected on their website, please see attachment Capital 1 ad. On Sunday XX/XX/2023, I called Capital 1 customer service to ask about a pending annual member fee for {$95.00}. 
I was transferred to a supervisor, XXXX XXXX ( Employee ID XXXX ) who told me that fees waivers were no problem but that fee waivers were only available after the charge had been applied to the account. After the annual fee when through I called back on the evening of XXXX XX/XX/2023, I was told by XXXX ( Employee ID XXXX ) that no fees waivers were available and that they could not and would not waive my fee. I informed them about my rights under the SCRA, MLA and TILA acts and that there should be no annual fee assessed based on those and on their advertising. All these conversations were on a recorded line, according to their disclaimer. I mentioned I wanted to take my complaint to the Consumer Finance Bureau and requested all records and account notes taken. XXXX refused my request to obtain records, refused to confirm she would preserve records, explain the discrepancies between capital one ads and the fee waiver refusal and refused to evaluate my fee waiver request under the MLA participation fee clause. I ask the Consumer Finance Bureau to conduct an investigation, I suspect they are victimizing thousands of military members who sign up for their credit cards believing there are no annual fees and lower interest, pulling a classic bait and switch. I would at a minimum like a refund of my annual fee of {$95.00}.
Consumer complaint received 2023-12-15
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: AMERICAN EXPRESS COMPANY (NV)

Per the FCRA 15 USC 1681b, I did not give Amex nor XXXX XXXX, permission or written consent to apply an inquiry to my credit profile. Please delete this immediately as this a violation of the Privacy act of 1974. I do not have an open ended or closed account with Amex or XXXX XXXX.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (MD)

XXXX XXXX, Director, Consumer Financial Protection Bureau Attn : XXXX XXXX, Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history. 

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1.

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, states " there is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impaartiality and a respect for the consumer 's right to privacy. " I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. " It is policy of the Congress that each finanicial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' 15 USC 1681 604 a sec 2 " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates. The financial institution and the consumer reporting agencies do not did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to all reporting agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. A financial institution may not disclose nonpublic personal infoemation to a nonaffiliated third party UNLESS the consumer is given an explaination of how the consumer can exercise that nondisclosure option option, per 15 USC 6802 ( b ) ( c ). These agencies Never informed me of my right to exercise my nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 15 USC Code 1681 A consumer may exercise their right to optout at any time. " I am opting out of your reporting services ''
Consumer complaint received 2023-09-22
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. (MA)

Upon reviewing my consumer report, I see that XXXX XXXX XXXX has reported late payments on my consumer report. The account is reported incorrectly and inaccurately. This account must be removed from my consumer report. Please see attached, you will see how incorrect its reported across all 3 bureaus. Months are not the same. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Despite my previous disputes and your assurances, fraudulent accounts continue to plague my credit history. Your lack of competence and inability to rectify this situation promptly is both distressing and unacceptable. You are making fun of my distress as some of the fraudulent accounts were deleted previously, and then you listed back the accounts again. Clearly, you are violating the FCRA as you failed to provide accurate information consistently. 
Account Information : Creditor Name : XXXX XXXX PLEASE DELETE!!! 
I am formally disputing the presence of fraudulent accounts on my credit report. It is incomprehensible that, despite my repeated efforts, these inaccurate and damaging entries persist. Your agency 's failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) is not only inexcusable but also indicative of a systemic failure to report accurate information. 
I am left with no choice but to express my dismay in the strongest terms possible. The impact on my financial life has been substantial, and your lackadaisical approach to addressing this matter only compounds the distress I am enduring.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has refused to investigate unverified accounts and addresses on my credit report. I have sent several certified letters asking to validation of accounts along with my ID, SSC and my auto insurance bill. By Transunion being unwilling to properly investigate these alleged debts is really putting my life a halt, and its becoming extremely depressing, and taking a toll on my personal life.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (RI)

From XX/XX/2023 to XX/XX/2023 I have repeatedly called ( wait times were 2 hours or more ) and emailed ( not one acknowledgment or response ) Nelnet to correct the allocation of my loan pmt of {$2800.00} to the smallest student loan to pay it off. They applied my payment to the largest loan with the highest interest rate with smaller amounts to the lesser loans. They repeatedly told me it was under review, it was being processed, you will see the reallocation within the next week or 2. Until today, XX/XX/XXXX, they tell me they cant reallocate the money, because it would make the other loans delinquent - due date ( XX/XX/XXXX ). This is negligence and fraud on their part. They had plenty of time from XXXX, XXXX and XXXX to correct their error. I never had a problem with Great Lakes. Nelnet is atrocious and I have reported them to the U.S. Dept of Education Attorney General for fraudulent practices.
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (NJ)

This information is incorrect in my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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: HCFS Healthcare Financial Services of TeamHealth (FL)

THERE HAVE BEEN SEVERAL CONSUMER REPORTING AGENCIES THAT HAVE STOLEN MY IDENTITY. Under the federally protected consumer act, this is illegal and needs to be stopped immediately.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681section 602 A states I have the right to privacy 15 USC 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 then records of conviction of crimes antedates the report by more ten years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-12-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

My XXXX statement for my XXXX account shows the remaining balance of {$520.00} as of XX/XX/XXXX. On XX/XX/XXXX, I submitted payment in full ( {$520.00} ) leaving the balance of XXXX. However, in my XXXX statement I now owe and additional {$9.00}, which is due XX/XX/2024. How do I have an additional balance when the balance is paid in full? I don't feel this is correct and I should not have to pay it.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX Balance XXXX {$4500.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX, J XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00}
Consumer complaint received 2023-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (VA)

On XXXX of this year I have disputed this account as the car was repoed and I was only the co signer I was never notified that the payments where not being paid until they repoed the car and that was back in 2015 and they refuse to remove it from my credit they just keep changing that dates on it so they can refresh the debt on my credit witch is not right
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

My ex wife and I have a consolidated spousal loan from XXXX. We applied for forgiveness in XXXX after meeting the 156 monthly payment threshold. We met all the original criteria and did not need the waiver to qualify. We applied and in XXXX of XXXX my portion of the loan was forgiven. However, another XXXX of my ex wife 's portion remains. The information provided by our prior servicer XXXX was lost in the transfer to Mohela so in XXXX of XXXX we submitted the entire package again to verify my ex-wife 's XXXX since XXXX. Not long after that her employment dates were finally qualified per Mohela the roller coaster ride started. Mohela then told us contradictory information about where our loan was in review. Twice we were told they were complete with the review and her time and our 156 payments met the criteria to forgive the remaining balance. They said they had sent our file to Federal Student Aid for final review. When I inquired with FSA this summer they told me Mohela still had our file. In XXXX we received a response regarding a complaint we filed with XXXX XXXX 's office that Mohela didn't understand why we were applying for PSLF when our loan had been paid off in XXXX. I had to correct them and say no-our loan was consolidated that year. Most recently in a subsequent complaint to XXXX 's XXXX 's office Mohela claimed in their written response which was 95 % form letter and 5 % information unrelated to our needs that they hadn't sent the file to FSA for final review and that they were still reviewing it. I hope it's understandable why we are filing a complaint again about this arcane and inept process for public servants. Now I'm trying to get a mortgage and this XXXX balance is impacting my rate for the loan even though the remaining balance is for my ex-wife. There seems to be no consequences for this poor service by a government contractor let alone their feeble ability to manage our student loan file. I have no hope at at this point after 15 of years of fighting five different servicers over this program. Can you help us?
Consumer complaint received 2017-03-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Creditors' Service Bureau of Niles, Inc (IN)

On XX/XX/2017, I was contacted by phone by a collection agency seeking payment of a debt owed to A XXXX for counseling services. The agency would not identify themselves by name - only the fact that were attempting to collect a debt on behalf of A XXXX XXXX. The caller stated that I owed {$140.00} and requested immediate payment by phone. On XX/XX/2017, I was contacted by phone yet again by a representative of a collection agency who failed to state the name of the agency but were asking for immediate payment of {$140.00} on behalf of XXXX XXXX XXXX. XXXX of all, the amount owed to A XXXX is {$75.00}, not {$140.00} and I stated that I disputed the amount of payment that was being requested. A Beautiful Mind did not give me any written notice, such as a 10 day letter, advising that the debt was going to be turned over to a collection agency. The collection agency can not collect an amount greater than what is actually owed. Despite the fact that I was first contacted by phone on XX/XX/2017, the collection agency failed to " within XXXX days after contacting a debtor '' provide any written notice or the opportunity to dispute the debt. In fact, the collection agency would not even give their agency name - only the information that they were attempting to collect {$140.00} for A XXXX. The only way the collection was tracked was by the phone number that appeared on my phone. Not only is the collection agency being deceptive, but on their second contact of XX/XX/2017, they once again failed to send written notice of the debt within the required 5 days. The original creditor and the collection agency are both in violation of the FDCPA.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.