davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (LA)

I recently reviewed my credit report where I discovered that National Credit Adjust ( account opened XXXX ) notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MA)

I recently received a copy of my ( XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with those companies. I repeatedly contacted Discover and the have yet to delete these illegal reporting.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

COMPANY MIDLAND CREDIT MANAGEMXXXX XXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM MIDLAND CREDIT MANAGEM/XXXX  BANK, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

MIDLAND CREDIT MANAGEM/XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION.

-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF MIDLAND CREDIT MANAGEMXXXX XXXX.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XXXX XXXX, I noticed a pending transaction on my CapitalOne credit card in the amount of {$120.00} from " XXXX XXXX ''. Because I was XXXX shopping a lot during this week, I was checking my credit card transactions often and I immediately knew {$120.00} from XXXX XXXX wasn't something I recognized. " XXXX XXXX '' is not even on XXXX, so it was fishy to me right away, so I called CapitalOne to report the fraud transaction asap. 

In short, CapitalOne got back to me a week later and still charged me {$120.00} from XXXX XXXX saying to me that the transaction was made " in person '' using the " chip '' so they did not deem it as fraud because the card wasn't lost. The fact that I had the credit card in my possession, but someone was able to charge my credit card as if it were me is what's most worrisome to me. Because that is what fraud is, right? I have reported this to identitytheft.gov, the credit bureau, and the local police. 

I'd be happy to provide anything CapitalOne or help Police or any government agencies requests in order to get to the bottom of this type of fraud where the credit card companies are even fooled, and the consumer ultimately suffers due to it.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My student loans were forgiven under the XXXX plans on XX/XX/XXXX. The balance was reduced to zero and status was paid in full. This showed on their website and on a Mortgage Verification letter. I waited the normal cadence for XXXX, which according to the historical reporting was the final day of the month. No updates were made. I disputed with all XXXX major bureaus and even after an investigation by XXXX, they still claim my balance is over $ XXXX and not closed as paid in full, in spite of I formation o t heir website and on the mortgage verification letter for potential lenders.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-04-26
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: NAVY FEDERAL CREDIT UNION (CA)

In accordance with the fair credit reporting act, this creditor NAVY FEDERAL CR UNION has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SANTANDER HOLDINGS USA, INC. (PA)

We took out a loan through our local community for home XXXXmprovements such as double paned windows. The loan was sold to Santandar bank many years ago.

We attempted to pay what we owed, but they are telling us there is a recording fee. From memory the recording fee was {$25.00}. 
Santandar has given us at least three different recording fees. When they send us a monthly bill, we pay it, they deposit the check, and then cut us a check in the same amount. We have not deposited any of their checks to us. 
Three weeks ago I asked a Santandar representative for a copy of the contract, they have not provided a copy of the contract. 
I have contacted the Pennsylvania State Attorney General office and they have not heard back from Santandar. This is well over a month.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is : XXXX XXXX.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (SC)

I let the company know that Im the registered XXXX XXXX XXXX XXXX  and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (CO)

Issue with Freedom Mortgage Background : I'm in the service and rent out my townhome in XXXX. I'm currently stationed in XXXX. My renters have Renters insurance, I have a separate policy, and the townhome association also has a policy. 

Issue : Earlier this year, my Mortgage Company ( XXXX XXXX ) sold my loan to Freedom Mortgage. Upon transfer, Freedom Mortgage required proof of insurance on my townhome. I provided the policy I use under XXXX ( XXXX XXXX XXXX  ) and the policy provided by my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The XXXX XXXX policy covers exterior and the interior for hurricane, wind, and hail damage as required in XXXX. XXXX XXXX  is claiming I don't have the correct " verbiage '' required to cover my property for " betterments and improvements. '' I asked for clarification but they can't define what " betterments and Improvements '' means. And they failed to provide documentation on how the policy works ( deductions, coverage, etc ) As a result, they installed an insurance police on my mortgage for {$2000.00} to cover " betterments and improvements '' annually. I asked if this means modifications, post build modifications, etc but they couldn't clarify this. Of note, I have none of these as it's a rental unit with original construction ( toilets, sinks, cabinets, etc ). 

We're facing hardship with the pending government furlough and this is ridiculous as I've never had to have this type of coverage in 12 years with this home ( and never missed a payment ). Regardless of the furlough this is ridiculous in the face of the economy when the XXXX  has two policies ( a 3rd one if you count the renters living in the unit ) and now they want a 4th policy to cover " betterments and improvement. '' I called XXXX about this but they couldn't explain it either. 

Please help
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to dispute and bring to your attention what appears to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. My concern pertains to my credit utilization.

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Upon reviewing my credit report, it seems that my credit scoring may fall within this exclusion.

Additionally, 15 U.S. Code 1681a ( 3 ) states that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. I would appreciate clarification on the procedures followed in relation to inquiries on my credit report.

To assist in your investigation, I have enclosed a copy of my credit report highlighting the relevant information and discrepancies. I kindly request that you conduct a thorough review of the matter and provide a written response within the time frame specified by the FCRA.

If it is determined that there has been a violation, I request that the necessary corrections be made promptly to ensure the accuracy of my credit report. Additionally, please provide me with information on the steps taken to prevent similar occurrences in the future. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Per 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

On XX/XX/2023, I requested to have my student loan payments refunded. 

About a month after. I saw my student loan amount increased from XXXX to {$11000.00}. To me this would tell me the refund went through and my account reflects that. 

It has been 5 months since and I have no received those funds, I called and each time was told that the process was simply slow. However 2 weeks ago I called again and simply asked them to cancel my refund and have my account reflect what it should be, they told me it got approved.

Last week I received a call from Nelnet stating that there's no refund to cancel, so it appears like the refund was processed on their end, but the funds were not handled properly.

I attempted calling multiple times after my previous call and each time waited about 40 minutes before the call disconnected on it's own.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00}
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX  I applied for a Capital One Platinum card requesting the maximum limit. I was forced to only apply for {$60000.00} as I was not able to apply for more because my application wouldn't process. I explained to the customer service agent XXXX who was present at the time of the in store application that this action was adverse and discriminatory against me. She said it was nothing she can do. 
As you made be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 
Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Capital one has violated my federally protected consumer rights. 
1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 upon my application being denied I was told by the Capital One employee XXXX that I would received a letter in 7 to 10 business days explaining the reason for the denial. I have not received that letter as of yet although 7 to 10 business days have passed. I also received an electronic notice ( see attachment ) reiterating that I would receive a letter in 7 to 10 days which i did not. 
This is booth evidence and proof that I have been discriminated against, Capital One Is also criminally liable and should resort to reasonable procedures to rectify this affair and compensate me for this use of my security, otherwise this would be security fraud since I have no BENEFIT. 

according the capital prospectus : 1. We have not, and the underwriters have not, authorized any other person to provide you with information different from, or in addition to, that contained in or incorporated by reference in this prospectus supplement ( including any related free writing prospectus prepared by us or on our behalf, if any ) and the accompanying prospectus. We and the underwriters take no responsibility for, and can provide no assurance as to the reliability of, any other information that others may give you. We are not, and the underwriters are not, making an offer to sell the notes in any jurisdiction where the offer or sale is not permitted. You should assume that the information appearing in this prospectus supplement ( including any related free writing prospectus prepared by us or on our behalf, if any ), the accompanying prospectus and the documents incorporated by reference herein and therein, is accurate only as of their respective dates. Our business, financial condition, results of operations and prospects may have changed since those dates. 
2.This preliminary prospectus supplement and the accompanying prospectus are not an offer to sell these securities, and are not soliciting an offer to buy these securities, in any jurisdiction where the offer or sale is not permitted. 

Since they are taken said position as to guarantee not to sell my security or make no offer to buy my security they have admitted to financial fraud in the act denying me my security.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-04-24
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 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 XXXXXXXX and 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I made a payment to Capital One ( Pottery Barn ) of {$9100.00} from my XXXX XXXX Bank online portal on XX/XX/2023 before the payment was due. 

I received notice on XX/XX/2023 that I was charged a late fee of {$29.00} and interest charges of {$230.00}. 

I called customer service to inquiry about my payment, as my bank had sent out a check for payment on XX/XX/XXXX. The customer service representative indicated that they still had not received payment. So, I asked if they would waive the late fee and interest charges and I would process an ACH payment immediately for the {$9100.00}. The customer representative said she could waive the {$29.00} but couldn't waive the interest. I asked to escalate to a supervisor and the call was terminated. 

I processed an ACH payment on XX/XX/XXXX for {$9100.00}. 

I cancelled the check from XXXX XXXX Bank. 

On XX/XX/2023 XXXX received the check from XXXX XXXX Bank that I had cancelled. 

I have requested to be refunded for interest charges. I paid my bill on time ( for goods that will not be delivered until the end of XXXX ).
Consumer complaint received 2023-03-29
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewedit. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate theseaccounts ( A ). It is not permissible to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the time frame specified by law. My creditreport includes the following erroneous information that needs to be investigated andcorrected : XXXX XXXX Balance : {$8.00}, XXXX Balance : {$35.00}, XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX Balance : {$51000.00}, XXXX XXXX XXXX XXXX XXXX : {$5700.00}, ATTYGENERL XXXX Balance : {$2200.00}