davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CCF Intermediate Holdings LLC (AZ)

I took a car title loan out with tite max and i belived my boyfriend was making payments on it. I payed XXXX in XXXX the loan was for XXXX now they have repossed my car and want about XXXX to return it
Consumer complaint received 2023-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

I submitted my 1st PSLF in XX/XX/XXXXXXXX  to XXXX. I was asked for a w2 for verification which I submitted the same day in XX/XX/XXXX. The loan was transferred to MOHELA in XX/XX/XXXX. I was told it will be processed and was rejected twice. I submitted by last w2 again ( year XXXX  ). My form was submitted for a manual review. Now I am being told that the same form has to be reviewed again. It is local government ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. I have provided w2s twice to 2 different companies. My spouse, who holds the same position at the same exact employer had his payments applied with no issues. I completed his form for him and put the same exact information but he was credited without any problem. The only difference is the time period and that I now work for the federal government. I have been trying to get 9 years worth of PSLF credit added since the changes were announced in XX/XX/XXXX. I am over 120 payments and would love for my balance to finally be forgiven.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, a payment was made to my credit card that I did not recognize or authorize. I immediately called Capital One to dispute this payment as fraudulent, as I did not know whose bank account made the payment. On XX/XX/XXXX, I called again to reiterate the dispute and to address the fact that my accounts were showing up as restricted. Capital One informed me that both of my cards and accounts were restricted until they received a bank statement from the account that made the payment, as proof of ownership. However, since I did not make the payment and do not have any information about the account, I explained that obtaining such a bank statement was impossible. I called again on XX/XX/XXXX to get more information and was informed once more that they could not lift the restriction on the cards until I provided the bank statement for an account that I do not own and have no information on. Capital One is insisting on this document despite it being impossible for me to obtain.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> a debit of {$480.00} was discovered on my checking account. I didn't recognize the transaction and neither did my wife who is a joint owner. I called Bank of America to report the issue and begin an investigation. The bank placed a freeze on the account and requested that we change the username and password. After investigating the transaction, Bank of America determined on XX/XX/year> that the transaction was valid and therefore declined fixing the issue.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus
Consumer complaint received 2024-05-03
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)

Capital One Bank XXXX XXXX XXXX ACCOUNT ENDING IN XXXX HAS VIOLATED MY RIGHTS. ACCORDING WITH THE CREDIT REPORTING ACT. 
15USC 1681 SECTION XXXX STATES HAVE THE RIGHT TO PRIVACY. 

15 USC 1681 SECTION XXXX A SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LTE FOR AND PURPOSE.
Consumer complaint received 2023-04-25
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. (FL)

I am writing to dispute the following incorrect information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Despite my attempt to resolve these issues, I have not received any response from them. 


XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8500.00} ) - You are reporting the account balance incorrectly. I believe the actual balance is lower than {$8500.00}. Furthermore, please remove the information regarding the past due amount, as it should not be reported since this account is closed and charged-off. I request that this account be marked as disputed to prevent any negative impact on my credit score. 
XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7900.00} ) - The following account was never late. Please remove the late payment from the account. 
XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX Balance : {$2500.00} ) - The information presented for this account is inaccurate. The original creditor is XXXX XXXX XXXX, not the company you indicate. Additionally, the balance reported is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$330.00} ) - The information presented for this account needs to be investigated. The original creditor is XXXX XXXX XXXX XXXX, not XXXX. The reported balance of {$330.00} is inflated and inaccurate. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXX XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$610.00} ) - The information presented for this account is inaccurate. I recall having a lower balance than {$610.00}, and the past due amount should not be reported since the account is closed and charged-off. I request that this account be marked as disputed and that you verify the Date Opened, Date of Status, and First Reported.
Consumer complaint received 2023-08-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I have asked for account information in the past and did not receive all information. Navient is purposely withholding information because they know the debt is not valid. 

I want an itemized statement and proof the debt is valid and the balance is accurate by producing original loan documentation. This would include the loan agreement from its conception as well as every single monthly statement from beginning to present. That means I want every months statement and its status for that month. All documentation from beginning to present. Thats almost 20 years of statements Ill be waiting for.
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (WA)

Complaint is about mortgage company Mr.Cooper. 

Resolution Letter XXXX ( The case number i was given ) The company closed my online account without giving me any reason. When i saw my account closed it was i contacted the company. The customer service rep could not get into my account. When they asked for the last 4 of SSN it seems there was an error on company 's part they had a digit wrong or probably they made it up just to give me XXXX and XXXX XXXX XXXX and XXXX since it seems like company has nothing better do with their time. 

I was asked to send a copy my SSN & DL which was done on XX/XX/XXXX. I was given a resolution date of XX/XX/XXXX. That's XXXX weeks. That is how much time it took them to verify my identity. I got a confirmation email from them that my identity is verified couple of days ago. 

Multiple customer service representatives gave me a date of XX/XX/XXXX. its XX/XX/XXXX today and company refuses to act on the issue. 

My loan is and XXXX  with a very low interest rate till XX/XX/2024. Company keeps on emailing me refinances options HELOC etc. It seems like account was shut down on purpose so that they can find a loophole to change my interest rate. I have been calling them emailing them but to no avail. 

I have not missed a single payment in last XXXX years. I have looked up previous refinance documents and my SSN is correct on all of them. Either it is an error on Company part or they just made this issue up to shut my account down to sell me their products.

Now after the verification Company took it to a completely different level they send me documents to review in my account which i can not even log into ( they know it ). It does not end there. They send me an email asking for my loan number which i have to log into my account again to see. Seems like the stupidity that this company can go to have no limits. I have spent hours trying to contact them through phone and email to resolve the issue and it has gone nowhere. After multiple emails back and forth I am told we are working on it and not given any time line in writing. I gave them every information they asked and it seems like they have no intent of fixing it.

Even if the issue is resolved I request you to take some kind of legal action against the company for causing me this distress. ( For example, making them pay a fine to any non -profit organization ). Otherwise they will do this to someone else.

Sincerely A frustrated customer of MrCooper
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : XXXX  XXXX XXXX, XXXX  XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

On XX/XX/2022 I sent a certified letter that was received by the company Medical Data Systems to verify a debt that was on my credit report that I was unaware of. As of today I have not received anything in writing verifying the debt. I have asked that the information be removed from my credit report since they failed to verify any of the accounts.
Consumer complaint received 2024-04-13
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX Date XXXX Balance : {$0.00}
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion responded in previous complaint XXXX, stating it will take 60 days for reinvestigation. This is not acceptable and is a violation of my rights and FCRA Rule 15 USC 1681i B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

Case was received by TransUnion on XX/XX/XXXXXXXX 45 day extension for completion is XX/XX/XXXXXXXX  and 30 day time lime is on XX/XX/XXXX XXXX I want completion of investigation resolved either by XXXX XXXX XXXX Punitive damages cost will be assessed and filed against TransUnion on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2023-07-28
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: T.S. Holdings (CA)

My parents were mailed separate notices addressed to me ( XXXX XXXX ) and my spouse ( who never lived at that address ) from the collection agency. I haven't lived at that XXXX  address in XXXX XXXX and the rental Property was in XXXX and I also had XXXX protections which were ignored.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

The last week of XXXX up until XX/XX/XXXX, Capital One has frozen complete access to my card 4 times. Of the XXXX, XXXX I have successfully verified EVERYTHING, and unfroze account now for it to be frozen AGAIN, this time for making a full payment on account. I then successfully verified payment, yet they will not unfreeze account without calling my bank again for the XXXX time this week. These a discriminatory practices based off my credit history and the account being new. Credit card companies generally have the authority to freeze a payment method under certain circumstances, such as suspected fraud, unusual or suspicious activity, or non-payment of the credit card bill. However, they must follow established laws and regulations when freezing a payment method. Some common rules and practices include : 1. **Fair Credit Billing Act ( FCBA ) : ** This federal law outlines the rights of consumers when it comes to billing disputes, including unauthorized charges. Credit card companies must investigate billing errors promptly and can not restrict the entire credit line for the disputed amount.

2. **Equal Credit Opportunity Act ( ECOA ) : ** This law prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because someone receives public assistance. Credit card companies can not freeze a payment method based on these protected characteristics.

3. **Consumer Financial Protection Bureau ( CFPB ) Regulations : ** The CFPB oversees and enforces federal consumer financial protection laws. They have regulations in place to ensure fair treatment for consumers when it comes to credit cards, including freezing payment methods.

4. **Card Issuer Policies : ** Credit card companies also have their own policies and procedures for freezing payment methods. This may include notifying the cardholder of the reason for the freeze, providing a way to dispute the freeze, and resolving the issue in a timely manner.

Overall, credit card companies must comply with applicable laws and regulations when freezing a payment method, and consumers have rights to challenge freezes that are unfair or unjustified. It is important to be aware of your rights and protections as a credit card holder.

They have cut off complete access to my account even after telling them numerous times I made the payments and having never had a returned payment, now any fraudulent activities on card. I would like my account unfroze and these practices to halt immediately before I file suit for discrimination, slander, and bias under the ECOA.
Consumer complaint received 2023-12-12
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: EQUIFAX, INC. (FL)

I sent a letter to all 3 major credit bureaus, demanding that they remove fraudulent inquires from my credit report. XXXX complied with my request, but XXXX and Equifax did not. I never authorized, nor was informed of these inquires.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

I spoke to a supervisor " XXXX '' on XX/XX/year> and she said she would get the collection removed. The company " XXXX '' verified that I have a zeroed out account with them. She said she was going to reach out to CREDIT SYSTEMS INTERNATIONAL to let them know I should not have a collection on my account at all. 

Ticket # XXXX Sent a ticket to the credit team to get the collection removed. 
XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

CitiBank Department of Defense accounts. 
Require service members to advance pay for required transfers and trainings. Took over 14 months to be reimbursed, causing late fees and cancellation of account, causing issues with chain of command. When trying to contact the company to make payment, called 7 times from XXXX to XXXX, sitting on hold for up to 2 hours. Operational commitments did not allow longer. Now back from XXXX, still attempting to contact the company with no answer. The Department of Defense is forcing service members to advance money to the government to pay for XXXX expenses with little to no backing in being reimbursed and no correction in sight. Only involving my executive officer, second highest ranking member of the XXXX XXXX XXXX enabled me to be reimbursed, however, CitiBank refuses to answer their phone. CitiBank has also begun garnishing wages from service members, so far to the sum of XXXX XXXX dollars.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section XXXX, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.