davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (KS)

Made online application on Monday XX/XX/year>, loan approved XX/XX/year>. The promise in advertising that money will be in my banking account within 3 days is not true. I provided correct routing information, they have confirmed this. I even scanned a voided check for their information, when asked they said they could not combine it with the present loan because it was not offered in the application process. When asked " where is my money '' they say my bank rejected the deposit, yet my bank after an extensive search of all transactions presented to the bank this did not occur. I believe they are holding the money to increase the amount of interest I have to pay, online the interest is accruing at {$3.00} a day. They just told me that my money would take 2-3 weeks to arrive as a check, yet their advertising promised money in under 3 days. This would be an extra {$45.00} in interest and I still do not have the money I borrowed. This is a scam, there are hundreds of XXXX XXXX reviews saying the same thing, made arrangements for a loan, got approved and NO MONEY was deposited.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has closed the account claiming : We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. ( see letter attached ) The activity on the account is not in violation, and payment history is perfect on the account as reflected by Capital one on all of my credit reports. Self creating a reason to close this account that is current and in good standing and in no way in violation of their own terms is discriminatory and has had a adverse effect on my credit and my co-users credit. This is a unfair practice by capital one who originally offered this card to me as a way to rebuild credit. After denying me a Car loan after providing me a pre-approval, after accepting another car loan from a different source, all of a sudden, now Capital one has closed my Credit Card account. I believe this is retaliation. I request that Capital one disclose the exact reason for closing this account and actually spell out the violation, or re-open this account, as I said I have made no violations of our agreement, Captial one is the party in violation.
Consumer complaint received 2023-10-17
Product: Credit reporting 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 has violated my rights. 
According to the Fair Credit reporting act 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 2 ( a ) ( 1 ) ( f ) of the FCRA you are required to promptly report the credit obligation/account as current if the furnisher makes an accommodation defined as an agreement to defer 1 or more payments, or forebear any delinquent amounts.
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-10-17
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
According to the Fair Credit reporting act 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 2 ( a ) ( 1 ) ( f ) of the FCRA you are required to promptly report the credit obligation/account as current if the furnisher makes an accommodation defined as an agreement to defer 1 or more payments, or forebear any delinquent amounts.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or about XX/XX/2022 I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. On or about XX/XX/2022, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. On or about XX/XX/2022, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem. On XX/XX/2022, Capital One falsely claimed to CFPB that they sent me a letter on XX/XX/2022. But ( they are liars ) Capital One never sent and I have never received any letter or correspondence from Capital One regarding this dispute. On XX/XX/2022, I contacted Capital One about this letter and they refused to send the letter and refused to solve the problem.. Capital One falsely claimed to CFPB that they had credited me {$64.00} for the amount disputed to my account. ( Capital One are liars ). When I contacted Capital One about this dispute, they credited me {$64.00}, but on XXXX XXXX Capital One took back ( charged to my account ) {$64.00}. Capital One told CFPB they credited me {$64.00}, BUT CAPITAL ONE DID NOT MENTION THEY TOOK BACK THE AMOUNT OF {$64.00} ON XX/XX/2022. ( CAPITAL ONE ARE LIARS TO CFPB TO CHEAT THEIR CONSUMERS ). CFPB please bring justice for consumers. Please see the attached statement. The amounts and dates Capital One gave and took back are highlighted yellow in the PDF which I attached to previous complaint. 

On XX/XX/2022, and XX/XX/2022, I sent Capital One the letters with the information they requested, but on XX/XX/2022, in the response to the CFPB complaint Capital One said that they have not received it. I believe that Capital One refused to resolve the dispute by claiming not receiving the document I sent. So today, XX/XX/2022, I again sent Capital One the XXXX resubmittal of the information they have requested. Also I attached the letters to this CFPB complaint portal ( please see attachment )
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (OK)

Zions Debt Holdings is attempting to collect a debt from a company called XXXX XXXX. I called the collection agency at XXXX. All selections end in a disconnect. I have tried to contact via their online form five times and received no response. Their website is XXXX 

I decided to try to contact XXXX XXXX directly to see if they have history or knowledge of this debt. I found their website XXXX and called the number on their front page - XXXX. I clicked to speak to someone in billing. The individual wanted my personal information, which I provided. They said they couldnt find my account. But then said let me escalate. They later came back and asked me to email them a copy of my proof of residency and a copy of my drivers license. At this point I asked why and was told so she could escalate. I told her there was nothing to escalate if they didnt have the bill. She then stumbled, but was consistent she needed that info. I told her I believe it was fraudulent and I believed they were part of the scam. And I ended the call. She called me back and told me she wanted to transfer me to a supervisor. And theyve now called me three more times. 

I feel strongly XXXX XXXX is a shell company creating false accounts and fake debt. I believe they also work with their debt collection company. And I believe it is all a giant scam to steal the identity of hard working Americans. Please look into this.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am filing this complaint because Equifax, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried applying for a student loan but my credit report was pulled from multiple sources and I did not know. 

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 2019-04-29
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: Ability Recovery Services, LLC (DE)

On XX/XX/XXXX. A call was placed to XXXX  in reference to disputing XXXX XXXX XXXX XXXX on my report. I was given a series of security questions to verify my identity in order to begin the process.I was told I needed to send or fax in my drivers liscence, social security card and addresss.Once they received these documents the request could be processed.A follow up call was placed on XX/XX/XXXX XXXX to see if the documents were received. I was then asked a series of security questions to verify my Identity. One of the questions I didn't answer correctly based on not knowing what information they have accurately reported. I was then told I could not receive any information on my report at that time.I have received two confirmed letters from XXXX neither confirms the inquiry about the XXXX XXXX XXXX XXXX. 
I have not also been able open up an investigation to XXXX XXXX XXXX, XXXX who I believe has reaged XXXX account debt being reported on my report. The company is reporting the acoount was opened XX/XX/XXXX XXXX. However my last bills show XX/XX/XXXX.I aquired XXXX in XX/XX/XXXX.
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

In follow-up to a complaint submitted to the CFPB XX/XX/XXXX against Wells Fargo for their check clearing process with XXXX XXXX and overdraft charges assessed to me because of this - I still have not received back the {$180.00} in overdraft charges that Wells Fargo deducted from my account. Wells Fargo removed the overdraft charges from being viewed on my online banking statements, but did not return the money. In addition - they have not stated to me what they will do, to make sure that the check in question that I've deposited with them on a monthly basis since XX/XX/2013 ', will not be subject to a Stop Payment hold again. The clearance issue needs to be resolved between Wells Fargo and XXXX XXXX, which services the maker of the check to me. There is no stop payment request from the maker of the check or their bank.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

The place where I lived before now says I owe them over {$5000.00}. This is after the fact that I had already received my security deposit back.
Consumer complaint received 2022-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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 2024-04-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Skopos Financial, LLC (CA)

Repeated phone calls throughout the day and theyve called my work. Ive asked them never to call my work. Ive informed them that I am currently working with a debt consolidation company handle my debts. I also believe theyve called people from my past.
Consumer complaint received 2020-07-26
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

I have 6 different loans with navient that are not being reported accurately dates are XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called emailed faxed letters to navient these loans were supposed to be in reduction plans and also forbearance and information was not consistent i was told it was being processed and i had to wait.i offered payment and was td to wait and as this happened I was reported late
Consumer complaint received 2017-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

I contacted PNC bank on XXXX/XXXX/17 around XXXX XXXX CST, in order to attempt to enroll in XXXX XXXX. I had just purchased a new phone and wanted to transfer over my banking information to my new phone which should have been an easy process. Out of all the accounts I am a cardholder of, PNC was the only one which required a phone call. It should not have been a big deal and I have no difficulty calling, however the blatant disrespect received by me due to the action of PNC was appalling.
The first person I spoke with asked for my SSN and a recent deposit into my account. Since my phone was new as I stated above, my PNC app was locked out. She advised me to call back, which I understood.
The next time I called back the woman I spoke with was extremely rude and asked me for my SSN again, and told me she would not assist me until I stepped into a branch. I asked multiple times for additional information or assistance, and she outright told me she would not help me. She told me she was going to be placing me on hold and when I asked why, she ignored me and went ahead with the hold. Five minutes later, she came back and said there was a problem with the phone. Over and over I asked where are you sending me and what is happening, but she ignored me and placed me on hold in the middle of our conversation. She also continuously referred to me as ma'am even clearly stating she thought I as a woman, which I am clearly not.
The next person I spoke with asked for my SSN, DOB, and my drivers license number before telling me to enter a branch. I continued to ask why, and was told he would not be assisting me. When I asked for information to track our conversation such as a name or ID, the Specialist refused and told me he would not speak to me further.
The " Supervisor '' I spoke with asked me roughly the same questions for the 3rd or fourth time now, and then said he did not have any other questions. He promised he would " warm transfer '' me to a Specialist. I waited on hold for 11 minutes, before the Specialist came on the line who had no idea who I was or what was happening. He did n't even tell her the issue or what was done because I still had to give my SSN and all my information again.
PNC bank has shown horrendously poor Customer service, and has discriminated against me based on my potential orientation and/or my gender. I have been a Customer for a few years now, and this is not acceptable.
PNC lied and mislead me through this whole process. I sincerely hope they take criticism and feedback seriously, because their discriminatory and judgemental procedures were extremely unfair and bias.
Consumer complaint received 2022-05-31
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SOFI TECHNOLOGIES, INC. (NV)

I have been a victim of identity theft numerous loans and credit cards were taken out using my personal information without my knowledge. In 2023 I found that Sofi Bank loan showing on my credit report, I immediately filed a report on identitytheft.gov. The account was removed from credit reporting agencies, recently I found that the account had been placed back on my credit report. I have contacted Sofi Bank, their collection company and the major credit reporting agencies without any response or resolution.
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Since 1 week ago today Fifth Third has locked me out. I have spent 4-6 hrs./day on phone. As you know, this is the 2nd time. 
What they have done to me, an XXXX, XXXX XXXX woman XXXX XXXX XXXX XXXX XXXX XXXX, this is unconscionable. Only 3 times did I actually get a real person. I even called the fraud dept. number & got through to someone who said it wasnt the fraud dept. All of the times Ive been on the phone my battery ran out. 
My supportive living bldg. wanted me to recertification this wk. & I couldnt provide my banking info. 
Your reviews I read, too many to continue reading, for the most part have the same complaint. I have never seen anything like this & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Im done. When this mess is taken care of, Im switching banks. 
They even had my email as one I had 20 yrs. ago. They had my previous bank as 1 I havent banked at in years. 
I DEMAND ACTION NOW!