davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I set up two automatic payments to pay off my credit card on XX/XX/XXXX and the amount of {$250.00} in the other one for  {$59.00} on XX/XX/XXXX so I can get my account paid in full by XX/XX/XXXX which is the due date, today I went online to see if my payments had been cleared only to find out that it says my account is restricted and then I called Capital One they informed me that my account was closed .... I then asked to speak to a supervisor she really couldnt tell me what happened only later to find out that my payments were returned but they dont know why. I asked her why didnt they send me a notice in the mail she informed me that they sent out a notice XX/XX/XXXX which is todays date and they also closed my account XX/XX/XXXX ... .. they did not give me enough time to even fix what was broken. 
I've had this account for 3-4 years and only missed to payments back in 2018, for my account to get closed off of something so simple is ridiculous to me.
Consumer complaint received 2020-03-10
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. (TX)

show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXXXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions.XX/XX/XXXX Trusted XXXX To Pay {$12.00} XXXX For Violating Consumer Protection Laws
Consumer complaint received 2020-03-10
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: Experian Information Solutions Inc. (TX)

show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX BANKDispute XXXX XXXX XXXX MORTGAGEDispute The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions.XXXX XXXX, XXXX Trusted XXXX To Pay {$12.00} XXXX For Violating Consumer Protection Laws
Consumer complaint received 2023-02-21
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. (FL)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX, XXXX and XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00},
Consumer complaint received 2022-09-15
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. (MS)

In accordance with The Fair Credit Reporting Act, the following list of accounts have violated my consumer rights to privacy and confidentiality. They have also violated reporting laws within the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - XXXX  # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXXhas violated my rights XXXX. XXXX XXXX - XXXX  # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXXXXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions 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 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I noticed {$500.00} was withdrawn from my Wells Fargo checking account on XX/XX/20. I contacted Wells Fargo immediately to report the fraudulent activity. I filed a few cases with Wells Fargo and they have denied my claim. Wells Fargo has a fraud guarantee that covers all my online accounting, however they don't want to stand behind their fraud guarantee policy. They are saying someone used my username and password to send {$500.00} via XXXX to an unknown recipient.
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (KS)

I have reached out to Kansas Counselors, and disputed multiple times to all 3 credit bureaus for verification and information for the proof of this debt. Kansas Counselors will not provide any evidence that this debt exists, invoice statements, a breakdown of charges, or an itemized list of the amount they claim is owed to them. The only information Kansas Counselors says they are able to provide is the amount of money attempting to be obtained. 

Furthermore, I was never sent any paperwork, contacted by phone or e-mail, or mailed any documentation from Kansas Counselors that would have allowed me to formally dispute or verify the debt in question in a legal manner. 

Without any proof of this debt amount being owed, I am unable to verify that I am liable for this collections account. I would like for you to press Kansas Counselors, and the 3 credit bureaus for documentation and further evidence of this amount being owed to Kansas Counselors and request that if it is unable to be provided, that this collections account be removed from my credit reports.
Consumer complaint received 2023-02-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-10
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-10
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One sent me a solicitation in the US mail to apply for a Venture credit card, offered to customers with " Excellent Credit, '' they said. They had a preapproved offer for me. They gave me a reservation # for my offer and an access code. I had to apply before the deadline XX/XX/20. I applied, according to their instruction, online on XX/XX/20 to getmyoffer.capitalone.com. A couple hours later that night, they sent me an email telling me I would have to provide them a copy of my passport, driver license or some other photo id AND a copy of my social security card or w2. That was on a Friday night. I had to wait till Monday to call the phone number associated with this request, so I called them and they said if I refused to provide this personal information, the offer would be withdrawn. I told them I will not send it. 
I told them that if they had told me that information even MAY have been requested, I would not have applied, because I have no intention of sending them my driver license or passport. 
So, they already did a hard pull on my credit and my credit score dropped somewhere between 5 and 10 points. I called XXXX  and they said I should request a letter of deletion from Capital One and then they ( XXXX ) would be able to delete that hard pull and my credit score would return to its previous number. 
So I called Capital One back, and they refused to provide a letter of deletion. They told me I have to write a letter to them and send it by snail mail explaining what happened and they would reply in 30 days. So this would drag out for up to 6 weeks and my credit score would remain negatively influenced. They would make their own decision whether they did anything wrong and I had no recourse. Capital One is going to be its own judge. They were rude and they didn't care at all. 
XXXX told me that inquiry by Capital One will remain on my credit report for 2 YEARS!
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

the former address in my Experian credit report appears two times. the second time appears as multifamily. 

Swapped addresses in my XXXX  credit report. It shows my former address as my current one and vice versa.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

I am writing to express my disappointment with the recent limitation of my PayPal account. On XXXX XXXX, I received an email from PayPal stating that my account has been limited and that I can not access certain features, such as sending and receiving payments. I was not given a clear explanation of why my account was limited, and I have been unable to use PayPal for my personal and business transactions since then. 
I have been a responsible and trustworthy user of PayPal for several years, and I have never violated any of the policies or guidelines set forth by the company. I have always used PayPal for legitimate transactions, such as online purchases and payments for goods and services. I have also followed all of the security measures recommended by PayPal to keep my account safe and secure.
Consumer complaint received 2020-03-10
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX XXXX XXXX stole my identity and opened a fraudulent account with Capital One in my name in XX/XX/XXXX. I was XXXX years old in XXXX XXXXl with no proof of income to obtain a line of credit of {$1500.00}. The account is now negative {$1800.00}. I have put fraud alerts on all 4 of my credit reports and have also sent letters to Capital One and spoke with representatives about the identity theft and fraudulent account.
Consumer complaint received 2020-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I have been, and continue to be, adversely impacted by Navient misreporting and inappropriate billing practices. Forbearance was encouraged on multiple occasions having been applied to original loans with Salle Mae without my authorization. I have been enrolled in an income-based repayment plan since XXXX. I re-submitted paperwork for this plan prompting me to investigate the status of my application. According to the Federal student aid website, my loans show forbearance status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. My servicing institution shows now as XXXX  no longer Navient. The change to my loan was never reported to me by Navient, repayment months status shows as N/A and months in repayment N/A. I have not been able to clarify what the status is nor was I notified of any change. 
My original loans incurred with Salle Mae for medical school. During my medical residency training, immediately following my medical school education, I was not able to begin repayment on my loans due to financial hardship. Initially, my loans were incurred with Salle Mae and eventually acquired by Navient. I was never provided Income based repayment as an option when with Salle Mae and was encouraged to accept forbearance with Navient when my loans were acquired. My original loans were consolidated into a FFELP loan which has grown from XXXX to over XXXX while with Navient. I have made multiple attempts to deifier the fees and changes applied to no avail. 
When my Salle Mae loans were acquired by Navient ( XXXX ), a Navient private loan representative informed me that my private loans would be handled differently with Navient. I was told it would be in my best interest to make the one time only lump sum payment to take care of my private loans. I made the requested payment, just under {$30000.00}, to have the private loans discharged. I made this payment and requested documentation and was never provided supporting documentation for that transaction. In XX/XX/XXXX I received an email stating I had a message in my Navient inbox. I was sent the 1099 forms related to my private loan dischargeable amounts required for IRS reporting purposes. But no other documentation. Days later, I contacted Navient requesting private loan discharge supporting documentation specific to the 1099 forms received and was told I would be sent that documentation. To date, I have not received the paperwork related to the private loan discharge.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I had a deposit for {$1800.00} that was going into my closed personal checking account at chase bank. I was told that as long as I spoke to the claims department, that they would re-reroute it to my correct account. So I spent an hour talking to a claims specialist on XX/XX/20. It was clear to me that she didn't know what she was doing, and I kept asking her to transfer to a manager, and she didn't. She finally said she had taken care of it. Today, XX/XX/20, I called chase because the amount was never sent to my correct checking account. First I was told I never spoke to anyone on XX/XX/20. Then, when I got mad and pointed out that they should be able to see whether their employees are digging around in my account, they admitted that an employee from an office in XXXX had taken that call, but done the claim improperly and that now they don't have the money. So I asked them to escalate and I was told by two separate employees that because XXXX had gotten everyone 's tax documents out late, they were getting a lot of complaints, so they wouldn't be able to speak to me for a while. And when I got home today, I had a letter from XXXX dated XX/XX/20 that states that " As we discussed and agreed, no action will be taken. '' And this is 100 % false. I am concerned that they are allowing employees in another country to dig around in my account, don't seem to have proper records or recordings of it, and now they have lost my money. XXXX used to be a decent bank, but now they have fallen so low that they may have compromised my financial security by possibly letting an unauthorized individual go though my account.
Consumer complaint received 2020-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/XXXX I entered into an agreement with Santander for an auto loan in the amount of {$23000.00}. I made payments for about 1.5 years on time before I began to experience severe illness that put me out of work. I had to wait to get approved for XXXX XXXX XXXX, which is why the XXXX & XX/XX/XXXX car payments were late. Once I started, I began to pay on time for 5 more months before I lost my job completely. Because I had no income, the loan went into default. The vehicle was repossessed. I know the vehicle was sold but there is still a balance of $ XXXX owed. That doesn't make much sense and I can not afford to pay that. I can afford to settle the debt for {$1000.00}. Unfortunately, I can not afford to pay anything else. The debt is now going on four years old. I just wan na settle and get it {$0.00}.
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (GA)

The rental company I went through to rent a home in XXXX Tried to overcharge when I requested to break a lease early due to hurricane florence. When I could not pay them at the time they sent the bill to collections. 
The collection agency is Online Information Services. They are located in XXXX, NC. 
The real estate company is XXXX XXXX XXXX in XXXX, NC. 
I attempted to contact the collection agency by phone on XX/XX/XXXX in an attempt to pay off the debt in an effort to have it removed from my credit report. The agent on the phone informed me that they were unable to remove it from my credit and that I would have to wait the full 7 years before I'd see it removed. 
I then contacted XXXX XXXX XXXX via phone. They informed me that they could remove it from my report after I made the full payment. 
I wrote them an email asking that they update my address information and that once paid off the debt would be removed. 
The real estate office responded vaguely informing me they would let me know when they received the payment. I proceeded to once again request a confirmation letter that once paid the debt would be removed, to which I have not got a reply. 
I would like this account to be removed and I feel I have the right to have written confirmation that this will be removed before making any payments. I also feel as though I have been taken advantage of. Multiple charges were made. I was fully moved out XX/XX/XXXX and the house was cleaned up yet they charge me for 16 days as well as for a screen door that was still at the property but had came off during the storm. The main issue I am having here is that I want to have this account removed from my credit and the companies are evading providing a confirmation of this.