davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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. (AZ)

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide proof with a statement showing that the payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called Capital one and asked for the account number my dad created when he used my social security number to open many accounts in my name using identification theft and told them that I need the account number in order to give to the detective working my case and they said wouldnt after many times of me trying.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2024 I settled XXXX accounts with capital one. I asked if they would put in for a deletion and I was told yes. However that is not the case. 

Small card was settled for {$340.00} Large card was settled for {$1100.00}
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (FL)

Received a notice from Debt Recovery Solutions LLC stating I am in collections for not paying a personal loan taken out for {$1000.00} from XXXX XXXX XXXX. The balance with interest is reflected as {$1500.00} and was taken out XX/XX/2020 This is not a loan I had ever taken and could easily be validated if they check the account which the funds were placed in " XXXX XXXX account # XXXX The Debt Recovery Solutions account # for this case is XXXX and they can be reached at XXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST MERCHANTS CORPORATION (MI)

In XX/XX/2022 I wrote a {$2500.00} check from my business account, payable to a Vendor that my company has made payments to before. The vendor sent me a reminder notice that they had not received my payment, however, according to my bank records the check was cashed. The check was stolen and cashed by an unknown person. Even though the check was addressed to a business, from a business, somehow an individual 's signature was endorsed on the back and the funds were withdrawn from my account. I first called the Bank XXXX # for guidance. They told me to go into the branch and file the necessary paperwork to start an investigation. I went into the branch, filed ALL of the requesting documentation, including a statement from my Vendor attesting that they never receive the check. Was advised that this could take up to 3 months to resolve. It is now going on Month 4 without a resolution. When I call the Banks XXXX number, they tell me to go to the branch. When I go to the branch, they call a number and tell me that all my paperwork is in order, and that they were just waiting for payment from the Bank that cashed the check in error, before they can put the funds back into my account. Was told that I should hear something soon. That has been more than a month ago. I can not get a response from the Bank that clearly tells me the status of this matter, even after 4 months and counting.
Consumer complaint received 2024-04-01
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One approved a charge against my credit card that I did not authorize. The company ( XXXX ) does not have my credit card information. Capital One took it upon themselves to process this charge telling me " we used previous data to go ahead and charge you '' per a phone conversation.
Consumer complaint received 2024-04-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is my third endeavor to rectify a dispute with Bank of America, and I am thoroughly dissatisfied with their handling of the matter. My complaint, filed with the CFPB and overseen by XXXX XXXX, a Resolution Specialist at Bank of America, has been met with blatant disregard for my requested resolution. 

During our conversation via telephone on Thursday, XX/XX/2024, I reiterated to XXXX XXXX that my dispute is being mishandled. Despite my clear instructions, XXXX has chosen to dismiss my requests and has demonstrated a lack of understanding or acknowledgment of federally mandated laws, including USC and CFR codes referenced in my dispute. Instead of investigating thoroughly, XXXX XXXX has opted to interpret these laws according to her own understanding, disregarding my position entirely. This negligent approach by Bank of America further confirms their disregard for my concerns. 

1. Bank of America has failed to adhere to my opt-out directive, as stipulated in 16 CFR 313.7 and 313.10 ( a ). Despite my confirmation of their privacy notice, I have explicitly exercised my right to opt out of sharing my non-public personal information with non-affiliated entities, including major credit reporting agencies. 

2. I have also explicitly informed XXXX XXXX that Bank of America should refrain from reporting specific information to my consumer credit report, in line with 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ). However, XXXX has misconstrued my directive, incorrectly assuming a complete opt-out of consumer reporting, thus neglecting my request. 

3. By invoking my privacy rights, I have formally revoked all authorizations granted to Bank of America, as permitted under 5 U.S. Code 552a. This revocation includes consent provided through various means, such as written agreements, verbal agreements, or actions taken without explicit consent. Bank of America 's blatant disregard for my revocation request and ongoing negligence in addressing my disputes is unacceptable. Despite repeated reminders, they have failed to acknowledge my privacy rights and have ignored my opt-out requests. 

This is my final attempt to resolve this matter with Bank of America. It is unreasonable for it to take three attempts to resolve an issue with this institution. I expect immediate attention to this matter and a resolution that complies with regulatory requirements. 

Furthermore, I demand that all my personal and business accounts remain open and active during this dispute. I explicitly state my refusal to close any accounts for any reason, and I expect Bank of America to adhere to this directive without further delay.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. XXXX XXXX made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!
Consumer complaint received 2024-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

Around XX/XX/XXXX, I made my 120th qualifying payment for my PSLF program to my servicer, MOHELA. I submitted my employment certification form ( ECF ) early XX/XX/XXXX, saying I qualify for forgiveness and asking my payments to be deferred until the loan is forgiven. MOHELA sent me bills in XXXX and XXXX. I made one more payment I should not have had to make in early XXXX. MOHELA said I have to re-apply for the income driven repayment ( SAVE ) program, even though I should not have to make any more payments. So I did reapply. Finally in XXXX, my account shows payments are in forbearance until XX/XX/XXXX, and that I have made 120 of 120 qualifying payments under the PSLF program. But it still shows I owe a balance, and interest is added to the balance every so often. MOHELA claims they await information from FSA and the Dept of Education and MOHELA will not grant forgiveness until FSA verifies I qualify. I have reached out to FSA, and they gave me a case number instead of responding. Then I got emails from MOHELA saying they did not receive my ECF in over a year. And that MOHELA will be changing its " platform ''. 

I have timely submitted every form and payment in full. I have satisfied every requirement for loan forgiveness under the PSLF program, and my servicer, MOHELA, will not process my loan forgiveness.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank Of America has literally stolen {$110.00} from us and refuses to put it back in our account. XXXXXXXX XXXX cashed a check that was taken from our mailbox XX/XX/2021. They notified us of the error and informed us they were sending the money back to Bank of America. BofA confirmed they received the money but they refuse to put it back in our account. We have completed the paperwork and sent it to them twice but they still refuse to rectify their error. We have contacted them multiple times and continue to get the run around.
Consumer complaint received 2023-05-19
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. (PA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some INACCURATE ADDRESSES left that need to be removed. Per FCRA section 605 you are required to remove any ADDRESSES listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold them accountable for they willful noncompliance. 
XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX; XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX, PA XXXX.
Consumer complaint received 2023-05-19
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. (AR)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some records with such an error, for that i am expected from you to help me remove these inaccurate items. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. It seems no one care, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items are such an erroneous on my file that needs to remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX Balance Owed XXXX {$2000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (FL)

Hello my name is XXXX XXXX and this is my first complaint against your company for not handling my disputes properly. Im attaching my documentation once again since your investigation took more than 30 days and you havent corrected my credit report. I expect to get a answer from you guys in 10 business days resolving my matters.
Consumer complaint received 2023-05-19
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. (NV)

On several occasions, I have filed for my invasion of privacy 15 US 1681 ( a ) ( 4 ) consumers ' right to privacy and identity theft. Previous case numbers XXXX XXXX, XXXX XXXX, XXXX Experian XXXX I have proven several times that I never gave written permission to use my information on any credit report. These credit bureaus constantly write back stating that your Bankruptcy is accurate. I already know that. This also shows continuous identity theft by not removing Bankruptcy from a credit report when showing violations. I have filed with Nevada State Attorney General 's office for identity theft. Violation NRS 205.4651.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (TN)

My husband and I both have, and have had loans through XXXX XX/XX/XXXX. We have both on several occasions set up, online, and over the phone automatic payments. 3 times. Once I tried. Twice he has tried. All three times we receive late notices through the mail with late fines attached. I am convinced this in on purpose so they can collect the late fines. The last time we called, they refused to answer their phones, and put us on a call back list. Four days later they have still not called us back. The last letter was XX/XX/XXXX. It says we have 15 days to pay. The last, of many, phone call we made was on the XX/XX/XXXX. XXXX XX/XX/XXXX says my husband owes {$85.00}. The letter also says we are fourth-five days past due. But we were living under the assumption our automatic payment had been set up, and that the bill was coming out of our bank accout. No email, to my knowledge was sent, and no phone call to notify us of any card number discrepancy or name misspell. Just a letter, already late, telling us we did not even try to pay. I am very frusterated and I would not wish this lack of customer service on anyone. It feels as though there are no humans running their business, only faulty computer systems.
Consumer complaint received 2023-09-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: GOLD STAR MORTGAGE FINANCIAL (MI)

In XXXX  I applied for a Loan on a Home. Goldstar Financial corporation Group was the lender on the Mortgage Agreement for a Loan of XXXX My records show NO LOAN WAS EVER GIVEN, BY CHECK, NOR A WIRE TRANSFER TO MY BANK TO FUND THE LOAN TO PURCHASE THE PROPERTY. 
This is a clear case of BREECH OF CONTRACT/FRAUD IMPOSED ON ME BY WAY OF A DECEPTIVE PREDITORY LENDING CONTRACT USING MISLEADING WORDS PURPOSELY DONE. I ASKED FOR ALL DOCUMENTS, ORIGINAL PROMISSORY NOTE, ALL ACCOUNTING LEDGERS INVOLVED IN THIS MORTGAGE, PROOF OF ACTUAL LOAN BY WAY OF ACCOUNTING LEDGERS. 
PROOF THAT I OWE THEM ANY MONEY WHICH I'VE BEEN PAYING TO THIS LENDER FOR YEARS NOW. AFTER SOME READING AND STUDYING I FOUND THEY NEVER LOANED ME ANY MONEY AT ALL ON THIS PURCHASE OF THE HOME I CURRENTLY LIVE IN.
Consumer complaint received 2017-02-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (ME)

I am the Rep. of my sisters estate. I called Synchrony Bank to get the balance that was owed before it went into collections and I was told they could not give me that info due to the fact it was closed out. I in turn said you are the bank that held this account and they still refused to give me the info. I wanted the exact amount owed before any interest accrued and she repeatedly told me they do not have that info. This was for a Walmart card and I am trying to take care of the bills for the Estate. Synchrony Bank is refusing to work with me on this matter and having to get in touch with XXXX debt collector is causing much XXXX, I just want to get htis over with.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (FL)

Called to make payment arrangements but had difficulty accessing online and reaching by phone. Multiple times I got transferred the call dropped after extremely long hold times this lead to inaccuracies and even closer of account. Which further causes more damage to my credit score. Ive spent countless time talking to multiple people who promised to correct and still no follow up on what I was told
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On  XXXX   XXXX , I made a    XXXX   XXXX    payment of {$68.00}. {$58.00} of that was to be applied to my  Capital One  Credit Card. To date, the money has still not been applied to my credit card and I want it applied.     I then rented a car from  XXXX  on Thursday,  XXXX   XXXX ,   XXXX  . I was informed that a deposit would be needed of {$66.00} because it was a premium vehicle. I agreed and my pending charges were {$390.00} which included the {$66.00} plus the amount of the rental of {$330.00}.  XXXX  was paid the {$330.00}, however, there remains a pending balance on my  Capital One card of { $66.00}. When I spoke to  XXXX , they informed me that they had removed the pending transactions and had been paid {$330.00} and was not keeping the refund ; however,  Capital One  states that  XXXX  needs to release the money.     I just want my {$58.00} added to my Cap ital One  card because it was a payment made through  XXXX   XXXX  to be applied to my card and I just want my refund returned to me of {$66.00} by  XXXX  or Capita l One but I  want my money.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NC)

I have a milestone credit card and there was fraud on the account. They said they were mailing me a new card but never mailed it but mailed me a letter saying I was late on a payment! 

I called once I received this letter and asked a manager what the issue is, I havent received a new card but received this letter. 

He informed me that the credit card company said they need a photo id mailed to them to reissue a card but I never received this letter requesting this! 

So my account is frozen with no ability to send any information since I never received a letter or card! But, I was able to call and give my information and he openly talked about my account, so explain that one to me! 

How is this possible in XXXX! These credit card companies are out here like its the wild wild west doing whatever they want!
Consumer complaint received 2023-01-27
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. (NY)

My name is XXXX 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 XXXX is being investigated by the FTC.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XX/XX/XXXX I filed for Bankruptcy. In XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I  have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : TransUnion, XXXX and XXXX. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.