davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
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: AMERICAN EXPRESS COMPANY (NC)

XXXX XXXX claim XXXX I stated the item was lost. My policy covers me for lost items up to {$1000.00}. This was reported within 90 days and my claim requests a technician 's evaluation of the item. The item is lost, and can not be evaluated by a technician. The representative I spoke to on XX/XX/2023 would not let me file the claim as " lost '' stating my policy did not cover lost items. He said only theft was covered. I am not certain the item was stolen. Therefore the claim is reported lost under section i. of the " Mysterious Disappearance '' section of my purchase protection card policy. 

I spoke to XXXX different representatives, and both initially stated I could not file for a lost claim. Associates are not properly trained and are giving misinformation resulting in denial of claims of card members.
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a robocall from XXXX, stating that I was going to be served. They called my parents too. I called them back, and received a woman by the name of " XXXX ''. I told her that she needed to stop harassing my elderly parents, or I would file a lawsuit against her company. She laughed and stated, " No you won't! '' I had to ask her what company she worked for. She stated " XXXX '' and asked for the last 4 digits of my social security number. I told her that I would only give that information if she told me what it was regarding. She laughed and stated, " just because Trump is president, doesn't mean you get to act that way! '' She laughed and hung up the phone. She refused to tell me what it was regarding, and had a robocall using the name " XXXX XXXX '' to call me and my parents. 

I have checked my credit report and I have no outstanding debts for anyone to take legal action against me on. They also used my maiden name, for which I have not used in almost 10 years.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft, and I have reported this matter to the authorities. It is perplexing that while other credit bureaus have promptly recognized and removed these fraudulent accounts, Equifax appears to be ignoring my legitimate requests. 
List of Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX-FRAUD, PLEASE DELETE!!! 
The Fair Credit Reporting Act ( FCRA ) grants consumers the right to accurate and fair reporting of their credit history. I demand an immediate and thorough investigation into these matters, with the removal of the fraudulent accounts from my credit report.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

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 I also have some hard inquiries on my experian report that I didn't authorized. 


XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I'd like to opt out of this account reporting on my credit profile under the Graham Leach Bliley Act for Regulation P of Privacy of Consumer Financial Information Act ; 12 CFR Part 101. Please provide me with a reasonable opt out form that can be submitted electronically with the original cardholder agreement that lists the disclosures giving me a right to opt out. If a form or cardholder agreement can not be provided, I would like to use this complaint as a request to opt out of this account from reporting to any non-affiliated third parties including any credit reporting agencies. 

Attached is a copy of the statement of the account in question, along with a copy of my credit report.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing these charges and to no result of being removed from my credit report. Ive called to credit bureau and I was lead here.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Good Evening, According to the Fair Credit Reporting Act, Title 15 of the United States Code, Sections 1681 et seq, I have a legal right to have to hard, unknown credit inquiries removed from my credit history. I was going through my credit history as I do twice a year and I noticed a lot of stuff that I didnt notice before from this year and last year they are completely unrecognizable. There are a lot that I do recognize authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The others I do not recognize and did not authorize. 

Below are the ones listed that I did not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: GREAT LAKES (WI)

Hello XXXX of XXXX I made a payment of {$18000.00} to XXXX XXXX XXXX XXXX XXXX, which was my payoff amount. I received a letter stating my loans were all paid in full and I no longer have any loans in default with them or the collection agencies they are affiliated with. Than XXXX of XXXX while applying for a VA loan I had a flag on my credit reporting I still had an unpaid balance so I contacted both Great Lakes and the collection Company XXXX. It turns out they did not have record of my payment, however I was smart to have my bank cut the check and send it by certified mail, so I had a paper trail. They found the miscommunication and sent another letter XX/XX/XXXX stating my loan was paid in full. Fast forward to XX/XX/XXXX, I got another letter saying I had owed a total of {$1400.00}, which was refunded back to the account because because charged interest to me on the payment they lost than found. Well once again XX/XX/XXXX, I am dealing with the same problem and it affects my credit not to mention the frustration and anxiety I have to deal with when talking to these people. I have all the emails they sent clearing me and the letter clearing me. I am fed up and tired of being bullied by their creditor XXXX. I want to file a formal complaint as well as seeking restitution against Great Lakes and XXXX. Can you help me please. 

Thank you, XXXX XXXX
Consumer complaint received 2023-12-02
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: Global Lending Services LLC (CA)

On XX/XX/. I received a notification via the XXXX XXXX stating that my credit report was obtained. 

I did not give these companies the authorization to run my credit. 

These inquiries are going to have a HUGE NEGATIVE impact on my credit score. 

I need these companies to tell me why they ran hard inquiries on my credit. 

Who gave you the authorization to run my credit?
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (OH)

In accordance with The fair credit reporting act Total number of XXXX DEPT OF ED / NELNET accounts Closed on XX/XX/2020 has violated my rights 15 u.s.c. 1681 section 602 A states I have a 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. This company was unable to furnish me with my original contract these accounts should not be reporting I have never attended school or signed up for any loans for college these accounts are not my accounts
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (OK)

Hello. My husband ( also an account holder on the lease ) contacted Audi Financial on XX/XX/XXXX to request a XXXX XXXX deferment on both vehicles we have leased with them. This request was due to a job change. Via phone call on XX/XX/XXXX we were told the deferment for XXXX XXXX would be allowed as long as we returned the signed agreement. We received the agreement for each car on XX/XX/XXXX. We returned each agreement on XX/XX/XXXX. This complaint is regarding the XXXX XXXX XXXX. I uploaded the signed agreement on XX/XX/XXXX. I have sent no less than XXXX message requests via their website for response. I received a response on XX/XX/XXXX that confirmed they received the signed agreement for the XXXX XXXX and that it would be up to XXXX XXXX to process. Well, XX/XX/XXXX + XXXX XXXX was already passed on XX/XX/XXXX. Here we are XXXX XXXX later. I am receiving threatening collection calls stating the payment is past due, reporting late on my credit and there is a late fee added. Side note : the only reason the request was processed timely on the XXXX XXXX was because my husband had to send emails to the CEO and other high executives because the auto payment on that account wasn't canceled. They processed the deferral on the XXXX and overnighted him a check for the payment they processed. However, for some reason, I can not get Audi to cooperate and process on my end. This is unfair treatment. I am being harassed. They are not honoring what they said they would. 
ACCOUNT INFO : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX LAST XXXX OF ACCOUNT NUMBER XXXX
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

I C System - XX/XX/2022 They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.
Consumer complaint received 2024-01-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Harassing phone calls Calling people that are not me or my co-signer Calling estranged family members about my debt Calling co-signers neighbors I have been in contact with them so there is no reason for them to behave this way
Consumer complaint received 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (MI)

I paid off my loan in XX/XX/2023 and it is currently XXXX of XXXX  and every time I call Westlake financial and request a title/ lien release they tell me that they already delivered it to me or they will try to deliver it within a few business days. They say they have mailed it out through the USPS. But in reality they havent because I have confirmed this with the post office, their records show XXXX West Lake Financial mail coming to my address. I live in an apartment complex style mailbox where there is a lock on every box and only the mail driver has access so clearly my mailbox is extra secure as well. I have lost so much money in the past 4 months because I can not sell my truck because of the laziness of West Lake financial. If you go and read the XXXX reviews youll notice thousands of customers dealing with the same issue after paying off their loan. There is clear fraud and negligence happening in the background of their office.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (CA)

Write-In accordance with the fair credit reporting acts the account below has violated my federally protected consumer rights privacy and confidentiality. Under 15 usc1681 XXXX XXXX Account number  XXXX Opened- XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Opened-XX/XX/XXXX XXXX XXXX Account number-XXXX Opened- XX/XX/XXXX XXXX XXXX Account number- XXXX opened- XX/XX/XXXX15usc 1581 section 602a states I have the write to privacy. 
15usc 1681 sec 604a section2 it also states a consumer reporting agency can not furnish my account without my written instructions. 15usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following Items of information and other adverse items of informations other records of connecting of crimes which indicates the reports of more than 7 years. 15usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish information related to a consumer to any consumer reporting agency of the person knows or have responsible cause to believe that information is inaccurate.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (CA)

I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (IL)

I tried to withdraw {$200.00} from the atm, but did Not Receive any Cash, or the Receipt, or an error message, but each time I tried it subtracted from my balance, I filed a dispute with discover bank, they denied the dispute and mailed a letter stating I can request a copy of the proof from the merchant, but when I call to request the proof, they stated they can not send it to me, the resolution I'm looking for is to either provide the proof that the ATM dispense the funds, Or credit my account for the amounts in question..
Consumer complaint received 2024-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/XXXX, I visited a branch and asked the banker for how to get PMI removed from my mortgage. The banker said she would look into it and would get back to me. A month later, I hadn't heard back from her, so I went by another branch and asked for assistance. This banker directed me to a phone line where someone would be able to assist. 

I called the phone number and spoke to someone who promised to get me a copy of the paperwork necessary to request PMI removal. A packet arrived in the mail about a week later with an application form and instructions, including a {$300.00} payment that had to be made to remove PMI. It went over their whole process, including how they would have to re-appraise the home to confirm the equity value, even though it was obvious to everyone that home values had drastically increased. My wife and I promptly completed the paperwork, issued a check, and submitted everything to Wells Fargo to the address on file. 

The paperwork apparently fell into a XXXX XXXX, because nothing was ever done. The payment was never processed, no follow up calls occurred, and we were left with no information. I followed up a couple of times but no one could give me an update on the status of my request. Realizing that they'd lost the paperwork, I requested a new application to remove PMI from my account, but it never came. 

Finally, in XX/XX/XXXX, over XXXX years after the original paperwork was sent in, I filed a complaint with Wells Fargo regarding the lost paperwork and the refusal to help me resolve my PMI issue. They escalated the matter internally, conveniently couldn't find any wrongdoing on their own part, and refused to address the matter. I asked a FOURTH time for new paperwork to be sent to me to remove PMI from my account. 

Over XXXX months later, I still haven't received a new packet with information to remove PMI from my account. I've now been paying for PMI for the past 3 years and 2 months despite the fact that my equity has exceeded 20 % of the value of the home. XXXX subsequent requests for replacement paperwork to replace the completed form and check that THEY lost have been completely ignored. At this point I have no choice but to conclude that this is a willful act on the part of the bank to continue collecting PMI from me despite the fact that I no longer am obligated to pay.
Consumer complaint received 2024-01-12
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. (MD)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (WA)

This company is reporting the account as charged off every month. I haven't made any payments on this account. It is illegal for them to do this since the account has been closed for almost 5 years. They marked charge off for 63 months.