davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On Friday, XX/XX/XXXX I submitted an online application to Capital One Auto Finance to refinance my existing auto loan. I completed the pre-approval process and submited the loan. I didn't get an immediate response, but did so within 15 minutes stating that I was pre-qualified. I was then led to another part of their website where I had to select one of two offers, which I did, then sign the credit application which they stated would cause a hard pull on my credit. I agree to their terms and the full application process initiated. After that, I received an " Approved '' application. The approved application indicated the terms I selected. The approval was only conditioned upon Capital One receiving my proff of income, which I did submit and they ackowledged reciept. When I called Capital One they also said they had to rescind the offer because of an issue on my credit regarding a Bankruptcy that was " Dismissed '' as opposed to being " Discharged ''. It was dismissed XX/XX/XXXX. ( No creditors were listed and it was done to stop foreclosure on a jointly owned property ). There was no indication on the approval application that there was still further review. I belive Capital One should honor the refinance. The decision to deny my application after approval is abitrary. We have an offer an considertion, and we both approved. I called their offies however their explanation were evasive and didn't explan where I should have understoof that their approval was not an offical approval contingent upon something other than them receiving my proof of income. There is nothin stated in the contract that there would be further review. I believe we have a contract and Capital One should abide by the terms. If I agreed to the terms and not lived up to my end, they have the right of possession and other remedies.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (MO)

Greetings, I am in receipt of a letter from Chase Bank informing me that should I not decline in writing before a pretty short deadline that I forever lose the ability to sue and also to join class-action suits against them. 

I believe a change like this, which happens automatically unless the consumer reads and responds to the letter as predatory in nature. I believe the CFPB is the right governmental agency to ask for assistance on behalf of all Chase customers. 

Taking away consumer rights has to stop! This is akin to a smash-and-grab robbery from the corporate level.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CO)

I attended California XXXX XXXX in XXXX. In XXXX, a class action lawsuit named XXXX v XXXX reached a settlement agreement that my student loans would be cancelled and all payments refunded on or before XX/XX/XXXX. To date, nothing has happened. I can't get answers from anyone about this problem. I just want the relief that I am entitled to under the settlement agreement. Navient holds both of my federal student loans and my private student loan. All three loans are for attendance to California XXXX XXXX in San Francisco which is now defunct.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions. 

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2023-05-05
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. (OH)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (CA)

I am an identity theft victim. I am writing to request that you remove the following items from my credit report. Each of the transactions I have identified were made by the thief, not by me. I never authorized, used, or benefited from these in any way. The following informing information needs to be removed from my credit report. 

Credit inquiries. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-05
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated or deleted : 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 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

I am an XXXX XXXX in the public school system, and have been since XX/XX/XXXX. I have been paying off my direct loans through Nelnet since XX/XX/XXXX. When I went to XXXX  School WHILE working full time at a XXXX XXXX public school, I called and asked to be able to continue paying my student loans. They placed me on deferment, much to my repeated request not to be. Based on XXXX XXXX XXXX XXXX counts, I would be at XXXX payments as of now and have my loans forgiven if my loans were not deferred. My deferment period was from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2024-04-09
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. (GA)

I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. Balance : {$1800.00} ( as of XX/XX/XXXX ) Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. Balance : {$1600.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. Balance : {$2400.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a 1099-C Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (GA)

Concerns Regarding Collection Practices Under 18 USC 894 I believe that the below agency may violate certain provisions under 18 USC 894, which pertain to extortionate credit transactions. 
LVNV Funding ( a ) Anyone who knowingly engages in or conspires to participate in the use of extortionate means : ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be subject to fines under this title or imprisonment for a term not exceeding 20 years, or both.

( b ) In any prosecution under this section, to establish an implicit threat as a means of collection, evidence may be presented indicating that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat is alleged, collected or attempted to be collected through extortionate means, or that the non-repayment thereof was punished through extortionate means.

( c ) In any prosecution under this section, if the evidence is introduced indicating the existence, at the time the relevant extension of credit was made, of circumstances described in section 892 ( b ) ( 1 ) or section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor regarding the creditor 's collection practices is unavailable, then, to demonstrate that words or other means of communication used as a means of the collection did carry an express or implicit threat, the court may, at its discretion, allow evidence to be presented indicating the reputation of the defendant in any community to which the person against whom the alleged threat was made belonged at the time of the collection or attempt at collection. These agencies have violated my rights and continue to do so.
Consumer complaint received 2024-04-09
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. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-02-05
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Kikoff Inc. (AL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : KIKOFF LENDING LLC Account # XXXX Reason : Tried to cancel account while on a {$0.00} balance It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2023-05-05
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. (CA)

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. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (NV)

NO ACTION TAKEN PER. 15 U.S.C. 1681a 1681a. Definitions ; rules of construction BY LAW SAYS IT IS ILLEGAL FOR CREDITORS TO REPORT LATE PAYMENTS A.K.A TRANSACTIONS ON CREDIT REPORT. 

( A ) credit or insurance to be used primarily for personal, family, or household purposes. ( B ) employment purposes; or ( C ) any other purpose authorized under section 1681b of this title. 

I SUMITTED MULTIPLE DISPUTES COMPANY REFUSE TO REMOVE EVEN AFTER UPLOAIDING EVIDENCE PER IRS TRANSCRIPT
Consumer complaint received 2024-02-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Healthcare Finance Direct LLC. (NY)

XX/XX/2024 - i submitted a complaint to XXXX XX/XX/2024 - HFD responded stating they are in the process of trying to cancel XX/XX/2024 - HFD sent a letter threatening to send me to collections if I don't continue the account HFD is in the process of canceling.
Consumer complaint received 2023-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OPTUM BANK, INC. (MN)

On XX/XX/XXXXXXXX  Optum Financial approved my medical claims and repayment was made to my FSA XXXX account ; however, Optum Financial has failed to update my balance to reflect these payments and continues to show the same negative balance, triggering collection efforts from my employer XXXX XXXX XXXX XXXX XXXX for {$480.00}. My repeated efforts to correct this problem have met with failure.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Citibank has blocked my account since XX/XX/2024 for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/2024, neither of which I have received. They said it takes XXXX business days to receive the letter and its been past that timeframe, XXXX  already. Please contact the Account Takeover Department because they are the ones sending the letter and they are either sending it to the wrong address or not sending it at all. Citi Executive Response Unit will respond to this complaint by saying they sent a letter to my address and that the case is resolved ; I dont accept this response because they are still to contact the Account Takeover department and investigate why the are sending the letter to the wrong address. It can not be a coincidence that the mailman lost the letter, XXXX times already. I still receive various anonymous mail from Citibank concerning my account, this seems to be the only letter from Citibank that I havent received and its from this particular department, so they are obviously doing something wrong. Here attached in this complaint are images of other mail I have received from a different department of Citibank regarding other issues with my account ; this proves that I receive mail from CitiBank, just not from the aforementioned department. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. Citibank Account number : XXXX Account type : personal checking account Account holder Name : XXXX XXXX Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXX extension : XXXX Reference number : XXXX Original OCC case number : XXXX
Consumer complaint received 2023-09-25
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-04
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: FC HoldCo LLC (TX)

I didnt know hard inquiries works and I noticed that my credit keeps on going down and down so I asked a friend to help. We noticed that some companies repeated multiple times on my credit on auto loans that I didnt applied for and when I called them they said they couldnt help at all. Im a XXXX XXXX and Im Barely home. Some stuffs that I noticed on my credits are not from me at all