davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX XXXX I called to pay off my credit card with Capital One. I had had some financial problems and returned payments before this because they started holding my payments for 7-10 days before cashing and other creditors were taking payments from my accounts that were auto withdrawals. This is not their fault, but mine as the money should have been there. But in early XXXX I called them up to pay off the credit card as I had a hotel I had to pay for. I was assured by the Capital one assistant that my payment would clear in 2/3 days. I had 5 days before the Hotel would have to be paid. So with their assurance, I made the payment for {$440.00} and waited to make sure it went through. After the 3 days, I called my bank to see when it would be clear to be informed it hadn't been submitted just a hold put on it and to remove the hold I would have to contact Capital One. I called them to be informed that my account requires a 7 to 10-day hold on all payments. Capital One then added if I needed the money the only thing I could do was stop the payment at the bank. They also added that a stop payment and insufficient funds were the same to them. So I called my bank and asked which would work better for me and settled on transferring the money to another account. Today XXXX XXXX after making payments to Capital One and Having 1 of my 2 accounts current, I found out they had closed my accounts on XX/XX/2024, of which I had no notification of until I called today because it said online that my account was restricted. After being transferred to 2 different departments because of this assistant # XXXX admitted I had been misrepresented on the facts and there is nothing he could do about it. He was very nice and tried to be helpful, but the fact that they misrepresented themselves with a 7-day hold caused all kinds of problems and closed both accounts with one that was current. They knew I was in a financial hard spot as I had told them it would take a couple months to clear up on a fixed income.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In Accordance with the fair credit reporting act XXXX Account number XXXXXXXX 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.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

I have confirmed with my banking institute that there are no limits on transactions made as EFT withdrawals using the routing number and account number and that at no point during this described period has Ally attempted to make withdrawals on either my savings or checking account. 
On XX/XX/XXXX, I agreed to a settlement offer to pay off my remaining balance of {$1800.00} with a one-time payment of {$1000.00} scheduled for XX/XX/XXXX. I patiently waited to see the withdrawal on my account and saw no such activity. 
On XX/XX/XXXX, I called the customer service line and attempted to make a payment over the phone with an agent first through my savings account with the account details and then with my checking account and neither were successful. The agent suggested I reach out to my financial institution to see what was preventing the transaction, which was when I learned there are no limits to EFT amounts. Before I disconnected the call, I was told ( on a recorded line ) that the settlement amount would be preserved. 
On XX/XX/XXXX, I called back and spoke with another agent, now armed with my knowledge that there should be no issues using my bank details from my financial institution. I was informed by that agent that the settlement amount was no longer available, and that I would need to make the full payment amount and that I would need to send in a XXXX or a XXXX XXXX money order with my account number written on the outside of the envelope ( which sounds very data security dubious. ) There was an attempt made in XXXX to send a large amount through XXXX that was never collected, the agent I spoke to on the XXXX never made any indication that I couldnt make the payment over the phone, and I was offered a settlement amount that Ally Bank never attempted to withdraw. Not once. I am now reporting this lender for weaponized incompetence as a method of reneging on offers made to their clients, financial manipulation, and fiscal dishonesty, as well as utilizing bait-and-switch tactics to strong arm their way out of honoring a settlement amount. 
They also really shouldnt have their representatives suggesting that their clients expose their account information on the outside of an envelope.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

After changed my address from XXXX  to XXXX XXXX my information was used by scammers so i made a police report also made a complain to FTC years back. 
Now i have problem to open new account- need to clear this issue urgently. My secured information- current address all are updated to IRS and creditors.
Consumer complaint received 2023-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one auto Finance is illegally changing the date of which you made a payment to the next Business day so you can be late, to incur late charges, finance charges, or reported as late. My car payment was due XX/XX/2023. I logged onto Capital One Auto Finance app on XX/XX/2023 to process my payment, which will still have me in the guidelines to process a payment. Their own website states in regards to payments YOUR PAYMENT WILL BE CREDITED TO YOUR LOAN ON YOUR PAY ON DATE, BUT MAY TAKE 2-3 BUSINESS DAYS TO BE DEBITED FROM YOUR PAY FROM ACCOUNT, ONE TIME PAYMENTS- TO MAKE CHANGES YOU CAN USE THE MOBILE APP, GO ONLINE CONTACT US BEFORE XXXX ET, on the scheduled payment date. It doesnt specify about if your payment is on a weekend them your pay on date will be the next business day. Capital one auto is violating consumers rights to make them default on loans to get them on additional charges, The FCRA states FCRA RIGHTS 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


I called in to Capital one & requested to speak with a supervisor, I advised I was regarding the call, & my FCRA RIGHTS AS A CONSUMER, the supervisor name is XXXX, ID XXXX, we went over the account, initially when I asked what is todays date, she proceeded to state its XX/XX/2023 I reminded her she representing Capital One Auto Finance, that Im recording the call & if she continues to lie Im within my FCRA rights that her company is violation, she immediately stated todays correct date is XX/XX/2023, before processing my auto payment, she confirmed it will be processed with todays date. I have the recording as well, XXXX stated since Im making a payment on a Sunday it will be processed on the next business day as if I was making it on a Monday, I advised her that is illegal which will make me default on my loan as being 30 days late. XXXX processed my payment & stated I was within my timeframe & less than 30 days late & I will not incur late charges or a remark to say Im 30 or 31 days late on my loan.
Consumer complaint received 2023-09-17
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: CNG FINANCIAL CORPORATION (TX)

I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (CA)

Around XX/XX/XXXX I was alerted that a debt collection was added to my XXXX credit score. Williams & Fudge Inc. is attempting to collect re-aged debt on behalf of XXXX University. I attended XXXX ( merged with XXXX university in XXXX ) during the fall semester of XXXX. I withdrew from the school before XXXX. Maybe during the merger there was an accounting error. I do not believe this debt is correct to begin with as all student loans have been paid off and I was never contacted by the school about owing a debt over the last 10 years. My phone number and email were the same, I also had mail forwarding. If this debt is correct, why was I never contacted before? Additionally, this debt is not a student loan and therefore would be past the statute of limitations for CA and OR. Therefore trying to collect this re-aged debt is a FCRA violation. 

I have disputed this debt collection with XXXX four times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-10-20
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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 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 2023-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX never sent the requested documents validating the debt ( original contract with legible signatures ). Account closed with inaccurate information. XXXX 's terms and conditions for this account doesn't meet XXXX XXXX compliance requirements for credit reporting. XXXX failed to give proper notice of right to dispute. Notice to agent is notice to principal. Company is negatively harming my consumer credit report.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I am being charged for an account that I didnt open or use. It is on my credit report as a derogatory account and it does not belong to me. It apparently is a cable or phone bill, I was not living at this address at this time. It was opened in my name or something
Consumer complaint received 2024-04-25
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

Although Ive been sending biweekly payments totaling more than my loan payment, In payment history under my account, they are adding and subtracting my payments, holding money, and it doesnt seem to be applying to my account. Also, it states I still owe my XXXX payment. Ive been paying my mortgage for XXXX years thru XXXX different companies. My original contract with XXXX XXXX was a XXXX yr fixed Mortgage set up on biweekly payments. My Mortgage companies changing over the years, paying monthly, has caused me to be over the XXXX yr. and Im still paying a lot in interest. Im not understanding why?!?
Consumer complaint received 2022-09-05
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC. (NY)

I fell behind on my car payments due to a medical issue. At the time, ALLY was very accommodating. I was open and honest with communication. I set up a payment plan on XX/XX/XXXX to bring the account current ( XXXX ) by XX/XX/XXXX. On XX/XX/XXXX, Ally issued the repo order and the car was towed that night by XXXX XXXX XXXX. I reinstated the account on XX/XX/XXXX, minus the tow fee, which was deferred by ALLY. Not waived, deferred, so I am still expected to pay that {$440.00} fee. My plates were surrendered to the DMV the DAY AFTER it was repossessed on XX/XX/XXXX per the towing company. They stated they received notice from ALLY instructing them to do so. The original auction date was set for XX/XX/XXXX. Within the time it took for all parties to be made aware the loan was paid and reinstated, ALLY issued a move order ( same day ) to the original towing company ( XXXX XXXX XXXX  and my car was released to a new tow company XXXX XXXX XXXX ) and MOVED XXXX MILES AWAY to XXXX XXXX XXXX XXXX. As of XXXX XXXX, my vehicle is still not accounted for. I requested ALLY provide information on the XXXX XXXX  company and if they can reverse the move order, which is called a Take Back. Absolutely no help. We did say it may be moved. Okay, but moving it after it was reinstated? It seems like youre now deliberately keeping my vehicle from me. I will admit to losing my temper. I understand this is my debt and I owed the money. The point is when you are aware that the vehicle is reinstated, why would you allow a move of the vehicle? Why would you not tell them to hold the vehicle? And why wouldnt you make it right since its your mistake and not the customer? Now Im expected to pay {$300.00} to XXXX to the auction site AND pay to get new plates/ registration all because they could not do a simple thing. Out of the 5 companies involved ( ALLY, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, State Line Auto ) with this comedy of errors, not one can tell me where my car is. ALLY has refused to provide the information. ALLY places the blame at XXXX XXXX XXXX saying they dropped the ball because the redemption hold/ no move order was to be sent from them to XXXX XXXX, and there is no accountability. Secure Collateral has submitted a request to ALLY for them to authorize a Take Back to get the vehicle transported back to XXXXXXXX XXXX and ALLY refuses. We dont do that. All I want is my car brought back and I should not have to pay additional money to do so, or be forced to wait an unreasonable amount of time since this was not my error. I am considering my vehicle stolen at this time and will file appropriately if this is not resolved in a reasonable timeframe.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

This is my NUMBEROUS attempt to notify you that I am a victim of identity theft and that I would like to inquire about certain entries in my documents that have formed as a result of the wrongdoing. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AZ)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

My husband and I paid off all of our federal student loans through Mohela and XXXX in XXXX. Using the payoff calculator, we submitted the full amounts requested. I then had a - {$0.00} balance with Mohela. The same thing happened with my husbands loans through XXXX, but with a larger balance of less than {$3.00}. Neither of us have been able to get the refunded amounts. My concern isn't the amount of money, it's the fact that : 1. Services are overcharging and not automatically reimbursing borrowers. Students are penalized for under and late payments, but why not the servicers? This is a dangerous double standard at best, and at worst is a form of financial fraud known as " salami slicing '' and it needs to be addressed with the same urgency that students are consistently faced with. My Mohela account doesn't even reflect the difference anymore. It just says that the amount owed is {$0.00}, which is further proof that these servicers are both taking advantage and sloppy. 

2. We have not been able to get help through messaging through our accounts. We have also not been able to get answers via phone. I could not reach Mohela via phone. My husband called XXXX twice and they had to file some paperwork for him to get reimbursed and after XXXX phone calls, no one was able to properly help him and they never followed up. Both times, he waited several hours to speak to a representative. The fact that they couldn't help him twice was bad enough. Why aren't these transactions automated? 

3. People in our position with non-urgent calls are forced to increase the phone wait times when it's already impossible to reach customer service.

4. The government should hold services accountable and reimburse students promptly. Students who overpay and are owed funds should earn interest on funds being held by sevicers.
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: ALLY FINANCIAL INC. (FL)

Company continues to lie and not delete an account that does not belong to me. This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. I have been disputing this account for several years. I have submitted supporting documents, such as police reports FTC reports and proof of fraudulent account. They continue to not remove the account nor show me any account information.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/ I attempted to withdrawal funds from my checking account and the ATM malfunctioned. It stated that an error occurred with the machine and the transaction could not be processed. It then stated my transaction was reversed and funds were in my account immediately. This did not happen. I have called Bank of America about 15 times since this has occurred and no one will assist me in returning my funds to me. In addition to this supposedly someone was assigned to my case but no one takes my phone calls or assists me in resolving this issue. This is a Bank of America atm and all they have to do is balance the atm and it will show there is an overage, or they can check the records and it will show the atm malfunctioned but Bank of America refuses to return my funds.
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MUSA Holdings, LLC (NC)

I had a loan from XXXX XXXX, I would like more information on the class action lawsuit. My loan was transferred, I was not given any notice regarding change in loan servicer. My car was repossed once. My car was turned off a few times. Documentation on loan paperwork was false. Car was sold for almost triple times its worth. Now I'm fighting to get a title.