davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Dear CFPB ( Consumer Financial Protection Bureau ), I am writing to describe an issue I have encountered with Capital One, a major financial institution, regarding inaccurate account reporting on my credit profile. Below is a summary of the events, including dates, actions taken, and amounts involved : XXXX. Date of XXXX : XX/XX/2023 Upon reviewing my credit report last year, I noticed an account listed under my name with Capital One. This account was reported as an authorized user account, which I dispute as inaccurate. 

XXXX. Lack of Authorization : I want to clarify that I have never signed any agreement with Capital One nor authorized the use of any account associated with them. The reported account is not mine, and I have never consented to being listed as an authorized user. 

XXXX. Dispute Actions Taken : - Immediately upon discovering the inaccurately reported account, I initiated disputes with all three major credit bureaus ( XXXX, XXXX, and XXXX ) in 2023. 
- I clearly outlined the discrepancy, provided supporting documentation, and requested a thorough investigation into the matter. 

4. Lack of Resolution : - Despite my repeated efforts to dispute the inaccuracies, the reported account remains on my credit profile without any corrections or investigations conducted by Capital One or the credit bureaus. 

XXXX. Violations of Consumer Rights : - Capital One 's failure to accurately report account information violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
- The inaccurately reported account has adversely affected my creditworthiness, making it difficult for me to access favorable credit terms and opportunities. 

I am submitting this complaint to seek assistance from the CFPB in resolving this matter. I understand that you may require additional information to help identify me and my account, and I am willing to provide such details upon request.

Thank you for your attention to this complaint. I trust that the CFPB will take appropriate action to address this issue and ensure that justice is served.
Consumer complaint received 2017-07-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Utah Loan Servicing, LLC (TX)

This is a foreclosure that happened in 2008. The company continues to harrass me and put this account on my credit report. I am currently going through a security clearance and it keeps popping up. The account is having my job question my integrity.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted this collection company and disputed this charge many times as well as with the Credit Bureau directly. The collection agency has no right to place this on my credit report due my health Insurance paying both of these bills directly to the original creditor. I want the item removed immediately. There are two bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$700.00} account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00} account number XXXX I want these items removed as they should have never been reported to my credit report.
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Need promissory notes to participate in Federal Loan Repayment Program. This started back in XXXX 2017 when I requested them. I did receive a promissory note, but it was rejected as the wrong one. I chatted and asked Navient about this and they said that was the only one. Later they acknowledged there were others and stated the correct one was " processed '' XX/XX/XXXX. Today, XX/XX/XXXX, I am still waiting to receive all the promissory notes for the loans. I do n't understand the delay, as today I am told they will not receive them until XX/XX/XXXX I do n't understand why Navient does n't have these documents. Since they are not sending the original, why ca n't they just send the pdf via email? Still waiting for more than a month on these promissory notes which are ESSENTIAL to my participation in the Federal Loan Repayment Program as an XXXX XXXX -XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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. (WA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX CO XXXX, XXXX ACCOUNT XXXX XXXX
Consumer complaint received 2017-07-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SUNTRUST BANKS, INC. (TN)

hELLO CFPB? I HELLO I AM XXXX XXXX, I HAD GOTTEN A STUDENT LOAN FOR MY SCHOOL YEAR OF XX/XX/XXXX THRU XX/XX/XXXX. I DID NOT RECEIVE ALL OF THE LOAN THAT THEY SAY I TOOK OUT. IT IS NOW OWN BY SUNTRUST BANK, I THINK THEY ARE JUST TRYING TO COLLECT ON A OLD LOAN, WHICH IS ABOUT 38 YEARS OLD TODAY. AND I HAVE TRIED TO WORK THINGS OUT WITH THEM? AND TO NO AVAIL HAVE THEY MET MY NEEDS. I AM STILL IN SCHOOL. I AM STUDYING LAW. AND I KNOW I DO NOT HAVE TO PAY THESE LOANS UNTIL I FINISH MY SCHOOL TERMS. BUT THIS BANK IS CURRENTLY HARASSING ME OVER THIS LOAN, IN WHICH THEY BOUGHT FROM ANOTHER COMPANY AND MAY BE THEY SHOULD HAVE LEFT THIS LOAN ALONE IN THE FIRST PLACE. I WILL NOT BE FINISHING SCHOOL UNTIL XX/XX/XXXX YEAR OF MY GRADUATION, I AM GOING AFTER MY XXXX DEGREE. THAT TAKES A LOT OF MY TIME. AND I HAVE TRIED SO OFTEN CALLING THEM AND THEY STILL SAY NO? SO i DO NOT KNOW WHAT TO DO, A LOT OF PEOPLE TELL ME THIS LOAN IS FORGIVEN, BY PRESIDENT OBAMA LAST YEAR OF HIS TERMS. SO WHAT AM I TO DO? I AM RUNNING OUT OF OPTIONS I NEED HELP WITH THIS, THEY ARE NOT WORKING WITH ME AND THE WANT A LUMP SUM OF MONEY NOW? THEY HAVE MADE MY CREDIT SCORE GO DOWN REALLY BAD, AND THEY ARE CALLING ALL OF MY PEOPLE AND TO MY CURRENT SCHOOL TOO. I AM IN DEEP WATERS WITH THEM, I HAVE TRIED MY BEST TO WORK WITH THEM BUT THEY SAY NO. I TOLD THEM THIS LOAN IS ABOUT ( 38 ) YEARS OLD IN TOTAL. IT SHOULD BE FORGIVEN BY NOW. AND I HAVE TOLD THEM TO LEAVE ME ALONE AND LET THIS ALONE TOO UNTIL I GRADUATE FROM MY COLLEGE I AM ATTENDING NOW. I HAVE NOT BEEN ABLE TO WORK WITH THEM AND THEY ARE STUDYING MAKING A LOT OF TROUBLE FOR ME. PLEASE HELP ME.
Consumer complaint received 2023-02-20
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. (CA)

This is my follow-up endeavor to inform you that I am a victim of Identity Theft, The items I am challenging do not affiliate with or have a transaction with me. Please block the items that are erroneous in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX : {$16000.00} XXXX OF XXXX XXXX Balance : {$17000.00} The addresses stated above are not my home address, the accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete the items at once.
Consumer complaint received 2024-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (MN)

I received a letter ( sent XX/XX/27 ) stating that I owed {$81.00} to the collection company due to an unpaid toll bill. The toll was {$6.00} with {$75.00} in fees. There is no information as to what the fees were for. I also never received any communications from the toll company stating I had a balance. There is no information in this letter regarding the date of the charge, and not one single statement even alluding to how I could dispute the charge. 

So they are missing : Date of the original charge Proof the charge is valid Itemized list of fees Any dispute information including who to contact to dispute and what the 30 day date is. 

The only information is the amount owed, who it was from, and how I can pay.
Consumer complaint received 2024-04-07
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: Resurgent Capital Services L.P. (MS)

On XXXX XXXX, I mailed via XXXX XXXX via Certified Mail an request for verification according to the FCRA Section 609 to provide proof through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

On XXXX XXXX, I received a debt settlement letter rather than the proof requested. The company did not provide requested verification to the account according to the 609.
Consumer complaint received 2023-06-19
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2019-03-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (IL)

Letter and documentation attached. 

1st Complaint XXXX Aargon 's response dated XX/XX/XXXX did not provide any proof or description of method of notififying me in violation of Section 809 of Fair Debt Collection Practice Act. In addition, their alleged debt validation dated XX/XX/XXXX is not valid and in violation of Section 809 of the Fair Debt Collections Act as detailed in my letter to them. 

Aargon continues to knowingly violate the law in their unethical practices by writing vague/non descriptive responses to obfuscate the truth.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

We used our Home Depot Credit card last XXXX to purchase a washer and drier with 0 % interest for 18 months ( XXXX ). Have made all our payments and Home Depot randomly changed to 6 months and charged us back interest.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (TX)

Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX SUNRISE CREDIT SERVICE Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. 

In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.
Consumer complaint received 2022-05-30
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXXr Account # XXXX, # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, # XXXX XXXXXXXX XXXXXXXX Account # XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX The referenced accounts above have 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 that a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-01-25
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. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Colony Brands, Inc. (AR)

ON XX/XX/2019 I APPLIED FOR XXXX XXXX APPLICATION NO.XXXX AND ORDER {$420.00}, ORDER NO.XXXX. THEY ATTEMPTED TO PULL XXXX   BUT AT THE TIME HAD A SECURITY ALLERT SEE ATTACHED.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (FL)

On on XXXX I made a payment to XXXX XXXX in the amount of {$15.00}, but also made another purchase which dropped my account lower than I realized. The next morning I made a {$40.00} deposit to my bank to cover all transactions, and noted that the {$15.00} had been debited from my account and I was still in the positive on my account. On XXXX I noted an overdraft fee on my account, as nothing should have been debited from my account I called BB & T to ask what the fee was. That was when I was told that the XXXX XXXX fee had bounced and caused the overdraft. I explained that the amount had been cleared as of noon the XXXX, without issues and that I did not have their overdraft program that allowed them to pay out purchases if my account was short. The lady, XXXX XXXX, confirmed this and could not explain what had happened, only that it was valid and I wouldnt get my money back, she even chuckled about the situation at the time. I explained that the last fee was returned in XX/XX/17 when I had called my former car insurance and three-wages called the bank to prove that they had made an error and that, that return of fee should not count against me as that was their fault. The woman again stated I would not be getting a refund before I hung up. I also reached out to their social media accounts and received the same answer but no one could explain why it had both cleared and caused a bounce check fee. Can this be looked into? I feel as though my bank stole from me and it doesnt make me feel comfortable with them anymore.
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (NC)

On XXXX XXXX I purchased a formal dance dress. I paid express shipping for it to be here no later than XXXX XXXX. I did not receive it, or any explanation. I reached out to the company and could get a response. The event came and I had quickly purchased a dress from XXXX. 
I reached out to the company again, to cancel the item. No response. I filed a dispute with PayPal and requested my refund. They reached out to the seller and it was shipped a month later. As I said earlier I paid for express shipping. When I opened the package it smelled so bad. 
I have been a PayPal customer for years. Im not trying to scam anyone out of money. But I cant say the same about them! 
Please help me Sincerely XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion : The below are hard inquires on my Transunion report that are unauthorized. 

XXXX  XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 According to 15 USC 1681 Section 604A. States that a consumer reporting agency can not furnish an account without my written instruction. They have violated my rights.
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX, # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX The referenced accounts above have 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 that a consumer reporting agency can not furnish a account without my written instructi
on.
Consumer complaint received 2021-12-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC (PA)

Reference - Selene Finance Loan # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) Investor, XXXX XXXX Mortgage XXXX XXXX XXXX purchased the delinguent mortgage/loan on my property. When they took over the mortgage/loan, they initially utilized XXXX XXXX XXXX to service the loan. The property was in foreclosure and owner had property listed for sale as XXXX XXXX and owner were working together. An offer was received and submitted to XXXX XXXX who then submitted to Investor. Investor provided an approval to XXXX XXXX which was communicated to owner that the offer was accepted and owner could execute the Agreement of Sale which Agreement of Sale was executed on XX/XX/XXXX, XXXX 

Shortly after receiving the approval and executing the Agreement of Sale, XXXX XXXX advised owner that Selene Finance would be taking over the servicing of the account as of XX/XX/2021. 

Owner had great difficulty communicating with Selene Finance after XX/XX/XXXX, and although despite the numerous communications initiated by owner and despite communicating the urgent nature of the communications with Selene Finance due to the pending settlement date of XX/XX/2021 on the subject property, Selene Finance failed to accept the urgency of the situation. In fact, Selene Finance refused to accept that there was an existing sale approval and insisted that they had to start the process all over again despite being provided the email communications with XXXX XXXX approving the offer and the execution of the Agreement of Sale between buyer and owner. 

Buyer and owner proceeded to settlement pursuant to the Agreement of Sale but Selene Finance would not approve the settlement stating that there were insufficient funds being netted to the Investor. Selene Finance and/or Investor caused the breach of the Agreement of Sale. Buyer has been advised that he will be sued by buyer and other interested parties, such as realtors, as a result of the breach of the Agreement of Sale. Investor and Selene Finance are attempting to fraudulently collect funds in excess of what they have already agreed to accept as a result of their prior approval of the Agreement of Sale.
Consumer complaint received 2022-05-30
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: Maximus Federal Services, Inc. (FL)

My acct was with XXXX and I had a payment plan with them back in 2009. But I stop making payments because the school that I got the loan through which was XXXX XXXX ended up closing down and I found out that I couldn't use my certificate anywhere .Jobs and places was saying they needed more proof. so this have been on my credit all these years and now XXXX have sold my information to another company without my permission and they are calling me to still collect.