davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My personal information ( including my social security number, date of birth, and credit history which provides important answers to security questions for identification purposes ) was stolen in the Capital One data breach as a result of the fact that I formerly had a credit card with Capital One. In XX/XX/2019, Capital One received an e-mail link to the stolen data which had been uploaded by the hacker to the website XXXX in XX/XX/2019 ( see Exhibit_A.pdf attached ). Despite this, Capital One continues to misinform the public and, not least of all investors in SEC filings ( see Exhibit_B.pdf attached ), that Capital One does not belief that the stolen data was disseminated by the hacker. 

As a result of the foregoing, in XX/XX/2019, and immediately after the announcement of the data breach, two credit card applications were fraudulently filed electronically with Capital One in my name, and the imposter also ordered a drivers license in my name. When I contacted the Fraud Department at Capital One, they refused to even acknowledge that there was a data breach, and they refused to provide law enforcement with the IP address of the imposter or the physical address ( for mailing the credit cards to XXXX or the phone number provided by the imposter, thereby obstructing justice in the process. It was only through my own hard efforts that I was able to finally obtain this information by myself for providing to law enforcement.

As if this was not enough, Capital One has refused to this day to provide me with free credit monitoring and identity protection, despite the fact that Capital One has also misrepresented to investors in SEC filings ( Exhbit_B.pdf ) that it will do so and, despite that fact that I e-mailed the CEO, CFO, and General Counsel at Capital One regarding all of the aforementioned matters. Among other things, I have had to incur the expense of paying for XXXX XXXX Ulitmate Plus as a direct and proximate result of the above wrongful conduct by Capital One.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I applied for IDR ( SAVE ) with the Student Aid government portal on XX/XX/2024, which was received by my loan servicer, MOHELA, on XX/XX/2024. MOHELA changed the term of my loans from ICR to LEVEL on XX/XX/2024 and stated that my request for IDR ( SAVE ) was delayed for correspondence processing delay as of XX/XX/2024. MOHELA has now canceled my IDR application per the website status page and has not provided any reasoning for the cancelation. I called MOHELA on XX/XX/2024 and was told that this is a system error, with the phone representative inputting a request for the IDR application to proceed as normal. My online account status still shows I am on a LEVEL repayment plan instead of IDR ( SAVE ) plan which means my payments are scheduled to be {$1000.00} per month instead of {$64.00}. MOHELA has placed my account under a processing forbearance which does not count towards my PSLF and has no ETA on when my account will be updated to the IDR ( SAVE ) plan.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (FL)

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? Experian, XXXX, And Transition have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Consumer complaint received 2022-01-03
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: Asset Management Outsourcing, Inc. (FL)

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

I have had a Discover card for about 9 years now and just now became aware that I had been signed up for their Payment Protection Plan without my consent. They have been charging my account between $ XXXX {$30.00} each month and I had no idea about this. When I contacted them they cancelled the plan but told me they would only offer me a refund for the past 6 months, which amounted to {$200.00}. However, I know from my statements that they have been charging me for this for at least the past two years, and I am assuming for the entire time I have had my card without me knowing it. Judging by this, I believe they most likely owe me a much larger amount than only {$200.00}. I was told there was nothing they could do as far as a further refund goes, but I believe I am owed a full refund for the total amount they were charging me without my knowledge or consent.
Consumer complaint received 2023-02-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (MD)

IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE WHO STOLEN MY IDENTITY OBTAIN A LOAN WITH NCB MANAGEMENT SERVICE Original creditor : XXXX XXXX XXXX ON XX/XX/2018 IVE TRIED COMUNCATE WITH THEM REGARD THAT FRAUDULENT ACCOUNT NEVER GOT A RESPONSE FROM THEM. I WROTE LETTERS AND HAD TO MAKE A POLICE REPORT MAIL IT TO THEM AND NEVER GOT A RESPONSE
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I applied for a {$6000.00} Loan from Main One, XXXX XXXX, XXXX, South Carolina., XXXX 2018 and could not see at the time thru the need of XXXX XXXX. Had the XXXX XX/XX/XXXX, 2018.. went over Loan agreement which is at 35 % ..But they are trying to charge me {$12000.00} on a {$6000.00} Loan ....
Consumer complaint received 2022-01-03
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. (TX)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}XXXX XXXX XXXX XX/XX/XXXX {$14000.00}.
Consumer complaint received 2019-07-29
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. (IL)

I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE XXXX DATA BREACH CAUSED BY XXXX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (MD)

Hello, Recently, I refinanced a mortgage loan with PNC. Unfortunately, I was both treated bad ( I think the numbers were tempered with or it could be complete incompetence by XXXX XXXX XXXX, XXXX ID : XXXX. I also felt discriminated against. and treated in demeaning ways by XXXX XXXX XXXX The loan officer that I would like to file a complaint against is XXXX XXXX XXXX, XXXX ID : XXXX.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My credit report is still showing an account # XXXX with a balance that has already been paid off in XXXX of 2023. I made a payment of {$5200.00} on XX/XX/2023, the payment was posted by XXXX but they never updated the account to XXXX status. I sent XXXX a billing error dispute for correction of this violation XX/XX/2023 pursuant to 15 USC 1666 ( b ), ( c ), ( d ) and ( e ) but have not received a response.
Consumer complaint received 2022-01-03
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. (FL)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AR)

There was a charge on my paypal account for XXXX that I didn't make. I had to cancel the debit card and report it stolen with the bank but paypal closed the case with no resolution - even after telling them I did not make that transaction. They stated after their review they found certain transactions weren't unauthorized. Ok, I think I know what I authorized and didn't. Then, just to see what would happen, I clicked on repeat this transaction and low and behold, that individual can no longer accept funds. Imagine that. So now it's apparently ok for Paypal to let your card get hacked and no be responsible for it.
Consumer complaint received 2022-01-03
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. (MD)

Ive submitted numerous disputes challenging the accuracy of the furnishing on my consumer credit file with all three major credit reporting agencies and i'm getting ignoring. Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ) consumer reporting agencies are suppose to report all accurate information and there shouldn't be a difference in any major credit reporting agency. Pursuant to 15 USC 1681b of the Fair Credit Reporting Act which governs all credit reporting agencies I demand these account listed in the documents attached be remove from my credit file. Failure to do so will result in civil and criminal fines pursuant to the Fair Credit Reporting Act 15 USC 1681n for willful noncompliance.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (TX)

I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove XXXX XXXX. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating a owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
Consumer complaint received 2022-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Acts Capital One, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor. 
XXXX. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX XXXX ACCOUNT
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (OK)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

after the first CFPB complaint ... .they reopened my savings account back up. 
but then closed the checking account ending... XXXX, where the bank fraud occurred by chase foreign employees and possibly directed and coached by US chase bank employees years before .... they refused to send the military veterans direct deposit back to the US treasury. the chase bank get federal US treasury direct deposit warning notice every XXXX of the month. 

after the criminal complaints about the XXXX chase bank employees from the XXXX  and XXXX colluding to harrass and tempt to compromise my bank fraudulantly... proceed to further harrass me by blocking my checking account. 

most of the chase bank employee fraud occurred in this checking account ending... XXXX. 
i can not access the bank records and notes to provide as evidence. 

-- -branch manager from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... verbally only told me my account were closed on or about XXXX XXXX or XXXX CHASE BANK REFUSED TO RETURN THE DIRECT DEPOSIT BACK TO THE U.S. TREASURY AFTER THE BANK CLOSURE AROUND XX/XX/XXXX TO XXXX. 

there multiple conversations stated by the branch manager of XXXX XXXX chase bank XXXX  XXXX XXXX my account was closed from XXXX XXXX XXXX and by multiple chase employees. yet they refused to send a chase execustive secure messages of this letter and then chase bank employees stole my money... .and was told all deposits will be returned back to sender. but US treasury stated ... chase bank has taken the money and didnt rejecto r send the money back to the US treasury of the customers military veterans benefit payment. 

this is what happens when jobs goto foreign countries in which vital government / military financial information is handled and access by foreign countries. this is a dangerous prelude to XXXX activities and the comprising of former government / military financial information.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (LA)

On my credit reports, XXXX, XXXX, and Experian there are 6 credit inquires from XXXX XXXX that is duplicate and/or fraudulent. I called Experian and they did take care of it by deleting it. When I called XXXX and XXXX, they both told me this could not be done by them. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Also, I while I was car shopping I specifically asked XXXX with XXXX XXXX of XXXX, Louisiana to only use XXXX XXXX for financing my vehicle. Looking at my reports he did not and he will not return my calls. The same happened with XXXX XXXX XXXX in XXXX Louisiana in XX/XX/XXXX. I have called, left messages, and emailed the manager and have yet to hear back from anyone and it has been over a year. I am fully aware of how car dealerships run your credit to multiple places and that is why I was very specific. Now that I am checking my reports my wishes were not honored. I was given a verbal yes but the proof is on the reports. 
Here is a list of the additional inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX