davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nationwide Recovery Systems, Ltd (NC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  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 any purpose.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK (MN)

XX/XX/XXXX Have a unknown card in my hard Inquires XXXX never had or received one nor signed up for one. 
XX/XX/XXXX Have an unknown discover bank card never had or received one nor signed up for. 
XX/XX/XXXX Have a unknown card in my hard Inquires discover card never had or received one nor signed up for one. 
XX/XX/XXXX Have a unknown card in my hard Inquires XXXX XXXX XXXX  never had or received one nor signed up for one.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and DELETE them immediately in my 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
Consumer complaint received 2022-07-11
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. (GA)

Subject : Incorrect Information Reported by Credit Bureau : Experian I am writing to file a new complaint against Experian for the following items that were reported negatively and should be removed because it can not be validated. The accounts are XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX. 
There is not enough creditor information being reported by Experian and it does not even match with the other reporting agencies either. I have attached the correspondence letters that I sent to them originally, and they havent responded accordingly and also WITHHELD information that I requested previously. 
These items listed above are inaccurate, unfair and unverifiable derogatory, an according to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, Experian as violated the law and ignore the procedures and did not release any information to me on how they verified these accounts and reported them on my credit report.
Consumer complaint received 2016-05-10
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MD)

I had a HELOC with GMAC that was paid in full in XXXX XXXX. It was bought to my attention dealing with a new lender that GMAC never submitted the documents to XXXX XXXX XXXX Maryland to release the lien. I contacted my old title company and was told to contact GMAC and found out they filed for bankruptcy and a company called Ocwen has assumed accountability. I contacted Ocwens Research department at XXXX XXXX XXXX XXXX and was provided with a fax number XXXX XXXX XXXX XXXX. I faxed over XXXX pages of supporting documentation ( e.g., issue letter to Ocwen, correspondence with XXXX, XXXX credit report information and deed of trust ) to Ocwen 's Research department on Tuesday XXXX XXXX, XXXX. I have followed up with Ocwen at least five times since faxing over the documents only to be told that they never received the fax ( and I have the fax confirmation ). Every time I call, I have to tell my story again because my loan is not in their system because it is old ( paid-in-full XXXX XXXX ) and I get a new agent each time stating to call back because the information has not been entered into their system from the " fax department '' and was also advised when they get the information that it can take up to 30 days to resolve. When I called again today, a new agent informed me that I needed to correspond with Ocwen 's Lien Release Department and provided me with their fax number, email and mailing address. I asked the agent for a telephone number so that I could follow up to make sure that my complaint was received and discuss with someone the urgency of this matter. The agent today informed me Ocwen 's Lien Release Department does not have direct telephone number for consumers to contact them. I submitted an email today with supporting documentation to the email address provided at XXXXXXXXXXXX but have no way to know they received the information. I am very frustrated and seeking immediate resolution to this issue. This is not my fault, as this loan is paid-in-full and GMAC did not follow through on their obligation to release the lien. This is causing problems for me dealing with my new lender that will not close my loan until they have written confirmation from the lender Ocwen on behalf of bankrupt GMAC the lien is being released. The information that I received today for Ocwen 's Lien Release Department is as follows : Address : XXXX XXXX XXXX XXXX Iowa, XXXX Email : XXXXXXXXXXXX XXXX : ( XXXX ) XXXX On a separate note, I selected " signing the agreement '' as the mortgage process my issue is related to at there was not an option for closing lien release
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

My account was being closed by Chase because they site " continuing business with me creates repetitional risk '' A letter detailing this was mailed XX/XX/XXXX. Since then I have contacted Chase and all they say is that they don't have exact information regarding this and to contact the executive offices via FAX.

The account is due to close XX/XX/XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

Ive sent out two debt validation letter to the collection agency XX/XX/2021 amounts {$250.00} {$350.00} asking to provide ; Date that this alleged debt became payable Date of original charge off or delinquency Was this debt assigned to the debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Theyve violated my HIPAA privacy rights
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am at wits end with the credit bureaus- especially XXXX. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact XXXX. I have called, sent letters, filed complaints with cfpb, filed complaints with XXXX. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access XXXX. I had a new credit card get cancelled by XXXX  without contacting me first. XXXX  assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are XXXX XXXX, transunion XXXX then XXXX, XXXX  XXXX.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

Discover Financial Services has violated 15 U.S. Code 1602f by removing my right to credit by closing my account which is an adverse action against me the consumer pursuant to the Fair Credit Reporting Act. 

Discover Financial Services has violated 15 U.S. Code 1666b by claiming payments can be considered late when congress has forbidden that claim and then continued to close my account further violating me. 

Discover has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been payed by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit A ) Discover has violated 15 U.S. Code 1692f ( 8 ) by violating my privacy so that everyone can assume I owe something when I don't. ( Exhibit B & C ) Discover has violated 15 U.S. Code 1692d ( 2 ) by using profane language two times to guilt me into paying a debt that I don't owe. ( Exhibit D & E ) Discover has violated 15 U.S. Code 1892b ( 2 ) tried two times to collect an alleged debt from me outside of my state. ( Exhibit D & E ) Discover has violated 18 U.S. Code 1961 by using extortion two times o coerce me into paying an alleged debt. ( Exhibit D & E )
Consumer complaint received 2022-08-27
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. (KY)

Hello, Experian deleted XXXX XXXX XXXX, good accurate credit report from my credit report. I have asked them to please put it back but they will not. Which is having a negative impact on my credit score. Please help me resolve this issue with Experian. Thank you so much.
Consumer complaint received 2020-09-25
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I requested an extension on my auto loan with Capital One Auto Finance on XX/XX/XXXX. I requested the extension because I fell ill on XX/XX/XXXX and spent the next 8 weeks recuperating from what we now know was Covid -19. Capital One Auto Finance gave me an extension for my XX/XX/XXXX and my XX/XX/XXXX payments. Capital One Auto Finance then sent me a letter stating the following : " The extension will move 2 payment s of {$540.00}, skipping the XX/XX/XXXX and XX/XX/XXXX payments and moving them to the end of your account term. Your contract maturity date will move from XXXX XX/XX/XXXX. '' I have noticed sine then that those two extended payments are showing as delinquent. I have tried disputing this issue with Capital One and all three credit reporting bureaus to no avail. If there is any way you can help it would be greatly appreciated.
Consumer complaint received 2019-01-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

To whom it may concern my name is XXXX XXXX.My complaint is about being denied for personal loan in the amont of $ XXXX.From a company called XXXX .Date of the loan application XX/XX/2018.I sent personal information such as copies of my drivers license,2 months of bank statements, verification of employment and income and a voided check.This company told me there was and error on appication for my income which is {$36000.00} a year they told me that I needed an income of {$400000.00} a year to be considered for a loan for {$4000.00} at 2 year payment term.This company was inquire to me through Transunion for credit repair and debt consolidation. My credit score has dropped 50 points since this application process.I feel that this may possibly credit discrimination against myself.Date denied XX/XX/2018 no copy credit or income disclousure.My lending contact name was XXXX XXXX for XXXX. Phone # XXXX.Thankyou sincerally XXXX XXXX
Consumer complaint received 2022-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One posted defamatory and incorrect information on my credit profile. I contacted Capital One requesting validation that I ever had a credit card account, statements, and proof that the account was paid late. When I contacted them and provided my social security number they said that there were no records of any account. 

Capital One ignored all my requests to remove the negative remarks from my credit profile. I was victmin of a fraud and never had a capital one credit card account.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/XXXX  I sent {$570.00} through CashApp to a user $ XXXX who was posing as a car part dealer. After sending the money the person acted like he was at the shipping company and needed an additional {$200.00} for shipping. As soon as this happened, I realized the guy 's store front was a sham and that he was a scammer. I immediately asked him for my {$570.00} back " because I couldn't afford an additional {$200.00} for shipping '', ( but in reality, it was because I caught on to what was happening ). The person refused so I went on CashApp and reported the profile as a scam profile. In doing so the CashApp system automatically sends a refund request to the user I reported. 

This is where my problem with CashApp starts, after four times of contacting support they refused to look into the fraud issue basically stating that it was my fault for not sending money to a known or trusted individual. They just kept repeating that there is nothing they can do since the transaction has been completed and that I could try to request a refund from the individual. Thats right, on four separate occasions I got the very obviously scripted response of " ask the user for a refund '', three times after explaining that I had already requested it and the user who scammed me basically told me " good luck on getting your refund '', and once after waiting until the scammer actually refused my refund. 

They are trying to operate under a loophole that says if you knowingly sent money to someone then it's not an unauthorized transaction and refuse to investigate, oh unless you are a law-enforcement agency. 

Here 's my take on their current policies. 

1. If you are acting as a financial institution, you must offer some sort of consumer protections, otherwise you shouldn't have the right to handle my money.

2. You shouldn't require wasting already strained local law-enforcement resources to investigate a fraud committed on your platform that you enable by doing nothing about.

3. Being lied to, manipulated, or coerced, IS an unauthorized transaction, period, full stop, they both end in the same result, money stolen.

4. Like stated earlier, by willfully refusing to investigate fraud, scams, unauthorized transactions, or any other crime, you are enabling ; you are offering a platform for these criminals to engage in financial fraud.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (VA)

In reference to Discover Bank Account # XXXX On XX/XX/, I wrote Discover Bank a letter informing them of their inaccurate reporting of an account on my consumer reports. Discover Bank is in violation of multiple laws set forth by Congress. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Discover Bank ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Discover Bank ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 
By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Discover Bank for the cancelled debt of {$6000.00} in order to file as ordinary income. Where is my 1099-C Discover Bank is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is unsatisfactory! 
Discover Bank has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2019-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (UT)

Failure to deliver funds for an emergency I transferred a sum of {$1400.00} to an XXXX account. Remitly has failed to keep with the promised delivery date and time. This has caused me a significant loss due a failure to pay off a financial commitment and pay for a medical family emergency.

Also, I wasted a lot of time on phone calls to Remitly to understand and find a solution to this problem. So far the fund has not been delivered.

I would not recommend Remitly. Remitly 's staff were also unhelpful and discourteous. I no longer need the money in the recipient account as there is no use for that money now. But Remitly is not agreeing to cancel the transfer and refund the money to me.
Consumer complaint received 2021-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

I received a letter from CCS saying that XXXX XXXX placed my account with them to collect a debt. 
This " debt '' with XXXX XXXX  was disputed and dismissed. I have a screen shot from their website saying that there is no such claim. Nowhere in the letter received from CCS does it say that I can dispute this claim. Only instructions to make the check out to XXXX XXXX, but they say I don't owe anything!
Consumer complaint received 2018-01-30
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: Experian Information Solutions Inc. (FL)

Ive sent numerous letters to XXXX, Experian and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A closed account with XXXX is reporting with the balance of {$1000.00}. This account is outdated and shouldn't be reported it has been more than 7 years since the first delinquency.
Consumer complaint received 2023-08-12
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 (MI)

I recently received an email from Capital One re : my credit card with them ending in XXXX. 
The email threatened that they may reduce my available credit amount on this card if I don't start using the card ( even though I have an excellent credit score which could be adversely affected by a reduction in credit. ) I have other credit cards with Capital One and those have balances on which I make regular payments in excess of the minimum amount due so I don't understand the intimidation tactics being employed by Capital One via its email threatening to lower my amount of available credit ( {$15000.00} ) on this particular card unless I start using the card. Moreover, Capital One added insult to injury by telling me that I can forestall this threatened lowering of my available credit amount ( & negatively affecting my credit rating ) by promising to significantly start using my card in the future. 
Whoever came up with this insulting tactic of threatening good Capital One customers who have regularly paid on their cards because we are not using our cards enough should be fired. I did capitulate to the Capital One threat by calling their automated number and indicating that I will significantly increase my spending on this Capital One card, however, I am now considering paying off all my Capital One cards and closing all accounts with them because of this insulting email they sent out threatening good paying customers.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions