davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (IL)

Beginning in XX/XX/XXXX, there were discrepancies between the " Next Payment Date '' as stated on the app and the date on which the payment was being pulled from my account. A payment was refunded in or around XXXX, and, in XXXX, the app stated my Next Payment Date was XX/XX/XXXX ( See screenshot dated XX/XX/XXXX ) but then a payment was pulled on XX/XX/XXXX ( See screenshot dated XX/XX/XXXX ). When I called the company on XX/XX/XXXX ( XXXX ), I was given the option to have the payment applied to payments due or have the payment refunded. I opted to have the payment refunded, and XXXX said the refund would appear in my account in XXXX business days. On the XXXX business day ( XX/XX/XXXX ), I called the company again and ask to XXXX and then XXXX. XXXX said there would be no refund because the company didn't pull a payment in XXXX. I said that it was illegal to tell a consumer XXXX thing and do something different to the detriment of the consumer. There were XXXX misrepresentations : ( XXXX ) the " Next Payment Date, '' and ( XXXX ) being told there would be a refund. I asked how, if ever, I was going to be informed of the decision NOT to give me a refund. I was given a vague answer. XXXX, on behalf of the company, refused to remedy the errors, which he didn't dispute.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Social Security Number has been compromised, and someone fraudulently applied for a credit card with Capital One using my identity. The account numbers are : Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX Capital One credit card opened XX/XX/XXXX However, the provided date of birth is incorrect ; my actual date of birth is XXXX. Additionally, I wasn't present in the USA at the time of the application, as I lived in XXXX until XX/XX/XXXX. 
I didnt have following addresses mentioned in the XXXX Credit Report ( under the reference number XXXX ) and XXXX Credit Report XXXX File Number : XXXX ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never had any of these phone XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX After conducting an investigation, Capital One claimed it wasn't fraudulent and held me accountable for the {$8300.00} amount. They closed this case with reference number XXXX. Despite submitting evidence such as a copy of my driver 's license, proof of residency, and a copy of my SSN, I believe Capital One disregarded these documents.
Consumer complaint received 2021-01-17
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: ID Analytics, Inc. (TN)

On XX/XX/2020, I submit in writing a request challenging the validity of these alleged bankruptcy SageStream have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with SageStream. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character as well as update the credit bureaus.
Consumer complaint received 2018-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Capital Management Services, LP (FL)

I have sent a letter to Capital Management Services LP to not contact me in any form. They are not allowed to call me on any phone as they have contacted me at my place of employment multiple times. Today they called me from XXXX. They are not allowed to contact me at any number and I already filed a complaint this year.
Consumer complaint received 2023-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IA)

I have several student loans that have been consolidated for the purpose of Public Service Loan Forgiveness. I am a public school teacher ( since XX/XX/XXXX ) and have routinely certified my employment for PSLF to ensure that I am still on track. However, on the PSLF tracker on my account, XX/XX/XXXX through XX/XX/XXXX are marked as " employment not certified. '' This is untrue ; I have certified my employment for that time period twice since then ( once in XX/XX/XXXX and again in XX/XX/XXXX ). 

I have been regularly reaching out to MOHELA customer service agents for support, using their chat portal, message center, and phone line. Most of the time, my messages are ignored, or I receive a stock response after 4-12 weeks that my " case is too complicated '' and I need to call in. When I do call in, they either tell me that they don't see the issue on their end or that I just need to wait anywhere between 5 days and 9 months for it to be fixed ( that is to say, when I'm able to get through the phone line- it usually takes over an hour to reach an agent, and I don't have that kind of time in the day ).
Consumer complaint received 2024-01-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP (WA)

I was told make payments up to XXXX and they was gone start the process of me taking over that never happened nobody call me back when I was asking to I kept asking for the manager and they told me they didnt have one. They wrongfully repo my car with contacting me HONDA FINANCIAL COPR
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P. (NY)

As per the law when a charged off is reported its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report. 
1022.21 Affiliate marketing opt-out and exceptions. 

as per 15usc 6802-6805 obligations with respect to disclosure of personal information, XXXX XXXX XXXX  is in violation of this very code. 
I also have a right to opt out and wasn't aware of any disclosure from this company. 

XXXX XXXXXXXX is also in violation of the Privacy act of 1974. 
this was sold to a 3rd party debt collector, violating its own agreement therefore this should be removed from my personal credit report. 

Also, 15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished. 
See attched credit report for inaccuracies on all XXXX reports.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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 reports no consent is fraud.
Consumer complaint received 2017-01-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I made a payment on my mortgage for XX/XX/XXXX to my previous mortgage lender. My mortgage was then transferred to a new lender, but the new lender is claiming that my payment was never made. I have sent documentation to the new lender showing that the payment was made, and they still have not resolved the issue.
Consumer complaint received 2023-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

Following up on a previous complaint on XX/XX/XXXX : XXXX. 

There was absolutely NO communication from MOHELA prior to XX/XX/XXXX that I had until that date to request the XXXX refund because I made payments from XX/XX/XXXX through XX/XX/XXXX while working in the public service. 

Quit stealing my hard earned money!! Can we have some middle ground? 

Again I made monthly payments of XXXX from XX/XX/XXXX until XX/XX/XXXX. I should be entitled to roughly less than XXXX but more than XXXX. 

There was too much confusion in between XXXX and XXXX. There was no reason to contact the prior company since MOHELA took over. The first communication I received was by US mail on XX/XX/XXXX explaining that the payments are no longer paused and set to resume in XX/XX/XXXX. 

Call me if unclear.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

my capital one bank account was closed out due to negative balance. okay i agreed to let it close and was told i would be able to open a new account about a week after closing there was a deposit made to the account once i became aware of the deposit i called the bank for information on how to retrieve my funds. i was told id be able to go to the bank and simply pull the money out since the account wasnt fully closed once i arrived at the bank i was told my account was restricted and i couldnt retrieve any funds i informed him on the previous conversation i had outside with the bank prior to coming in and he called and i was told the account was NOW being closed and id have to be mailed a check and it would be arriving within 10-14 business days. i wait the waiting period still no check i call in every single day asking for an update and i dont receive anything but an apology and being told to continue to wait ive had my car repossessed because of my lack of funds also have been unable to provide for myself or my household due to this inconvenience and i still have no received the money or any help from anyone at capital one bank.
Consumer complaint received 2023-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I disputed a charge on XX/XX/XXXX for {$200.00}. The merchant did not respond to the dispute within 30 days and Capital One still put the charge back on my card on XX/XX/XXXX. I contacted Capital One on XX/XX/XXXX pointing out their error but Capital One refuses to do anything.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid 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: Block, Inc. (CT)

Good morning, on XX/XX/ I received a deposit of {$100.00} that brought my account to {$100.00} with Cash app, about an hour later I saw that funds was taken and I only had {$26.00} in my account normally when a transaction take place I receive an email telling me the amount that was taken and who the funds was taken from when I never received the email I immediately thought it was a fraud charge so I called in to Cash app and spoke with a gentleman that was very rude and stated that I had did a XXXX purchase in the amount on XX/XX/ in the amount of {$38.00} and another on XXXX in the amount of {$36.00} he stated that there was a technical error on their end and that I paid XXXX but the funds was never taken from my card I then stated that I didn't understand and that I would like the funds back onto my card the gentleman hung up on me. I then called back and spoke with a young lady she stated the same thing I let her know that I checked both statements and I saw that the funds were deducted and would like my money back the lady stated that they was not able to give me back my money
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( 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.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2023-07-07
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. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, and 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 an 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I do not recall applying for a XXXX XXXX XXXX and I never received the funds. I received an email that I was approved, and the funds were being sent to a XXXX XXXX account. I attempted to contact the company and did not receive a response. The account has been sent to XXXX XXXX XXXX XXXX account # XXXX and is being negatively reported on my credit report. The original creditor and information are listed below. 

Customer ID # : XXXX Principal Amount : {$1200.00} Funding Date : XX/XX/202XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NY)

Applied for the Wells Fargo active cash visa credit card. Explain that I have security alerts due to identity theft with major credit bureaus and would not be instantly approved. Call to provide additional information. Wells Fargo gives a default denial and refuses to properly reconsider on a case by case basis. The decision made is based on incorrect information. All three major credit bureaus have the same information, above XXXX XXXX XXXX, long-term credit history, no defaults are delinquencies, no late payments. Despite providing this information, Wells Fargo refuses to approve or consider the application.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (AL)

I have been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NJ)

My husband and I have been HUGELY profitable customers of Chase for over 30 years carrying high balances, an active HELOC and at one point a mortgage. In exchange for their earning huge profits on our high balances and paying a pittance in interest they gave us free checking. Wow. For the last few months my balance in one of the accounts fell to the point where they began charging $ XXXX. Contacting them for relief there was ZERO understanding of the fact that we have been long time, highly profitable and loyal customers. They deferred to the fine print buried deep inside their XXXX XXXX XXXX as a reason why they were under no obligation to refund fees. 

Chase is earning record profits. 

Why do the regulators allow them to continue to treat their customers XXXX XXXXXXXX? 

They should not be allowed to rely upon XXXXXXXX XXXX XXXX mailed eons ago ( or worse, sent via email which noone reads anyway ) written in mouse type as a reason to justify their taking advantage of customers and milking our accounts for money that goes to XXXX XXXX and his minions in outrageous bonuses. 

Why don't you hold them more accountable? 

PS part of the reason I decided to send this complaint is that, as a former banking executive, I know they will be put through the hassle of having responded. Had they treated me with some respect and fairness it would have cost them less money and hassle, and I would not be bad-mouthing them to anyone who will listen.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (GA)

I recently have a fraud alert on all three credit reports. I have had my identity stolen by my ex-wife in which I have reported it to the police. This account was opened and used by my ex-wife whom I am currently divorced from. I have re-married and this is causing a lot of problems along with some other fraudulent credit cards that were opened in my name. Please have this account removed asap. Thanks! I put in for a dispute about this some months ago and nothing has yet to be removed. According to 15 USC 1692c ( c ), this account must be removed. Credit Control LLC REF # XXXX / ACCT # XXXX Balance : {$24000.00}
Consumer complaint received 2023-11-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to dispute the presence of inaccurate information on my credit report, specifically regarding late payments that are erroneously attributed to my account. Despite previous escalations and attempts to rectify this matter, the inaccurate information persists, and I am requesting your immediate attention to correct this error. 
Upon careful review of my credit report, I have identified discrepancies related to late payments on my account. I wish to emphasize that there has been no instance of missed payments on the account in question. I have consistently met all my financial obligations in a timely manner, and it is disconcerting to see information on my credit report that does not accurately reflect my credit history. 
I have previously brought this matter to your attention, and despite my efforts, the inaccurate information persists. I have attached copies of the previous dispute letters and correspondence related to this matter for your reference. 
I kindly request that you conduct a thorough investigation into the inaccuracies on my credit report and take immediate action to rectify the following issues : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I was went to PRA website and saw announcement that a CFPB Order thatrequiresPortfolioRecoveryAssociates, LLCtoproviderefundstotalingapproximately $ 15milliontoimpactedconsumers. CFPB Order which I would like to submit to PRA XXXX. I was REQUESTING CFPB EMAIL to CC my email " CFPB Order Application for XXXX XXXX ''. However now I am attaching my Application as a Complaint. I received false statements from the above PRA starting in XX/XX/XXXX as they tried to collect a debt I had already paid in XX/XX/XXXX and refused to acknowledge payment in full I had already sent them stating the account had gone into collections in XXXX when really it had in XXXX. False statement were fabricated for XXXX.