davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I tried to use a Capital One debit card XXXX times at a bank in XXXX on XX/XX/2022, but the transactions did not process. A few days later I noticed Capital One had posted that I had withdrawn {$630.00} ( XXXX Euro ) - which I had not. I contacted Capital One and filed a fraud claim. Because of the time stamp on the transaction and the fact it said I had made XXXX withdrawals in less than XXXX seconds from XXXX branches of a bank in XXXX that are XXXX minutes away from one another, I believed someone had my info and was making fraudulent transactions. As it turns out Capital One had decided to pull funds from my account even though the ATM had given me a " Transaction not possible at this time '' message and I never received the money. 

The Capital One customer service people have been less than helpful. I was told my claim was denied and I'd have to prove I did not get the cash. Proving something didn't happen is a difficult task. Well I have witnesses, but that was not good enough for them. I'm being treated like a liar and a thief, trying to scam Capital one. No one at Capital One charged with investigating did anything. The customer service staff is obviously trained to say no to every claim and try to frustrate customers into just giving up. I wonder how much profits are generated by this strategy? I have found online many people complaining of similar issues with Capital One. 

XXXXXXXX XXXX  in XXXX has confirmed the three attempts to make a transaction had each failed. They provided supporting documents, which have been shared with Capital One. So I have witnesses and the bank in XXXX is in writing backing my claim. I never got the money, but Capital One took it from my account. Instead of helping resolve the issue, Capital One just doesn't respond. Why is it that a bank in XXXX that I don't have any relationship with has provided better customer service than Capital One, where I've had an account for more than a decade? 

They took my money in seconds and have not returned it weeks later. Moreover, they have denied my claim even though I have proof I did not receive the funds.
Consumer complaint received 2022-07-26
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. (LA)

XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my XXXX account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXXt XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX
Consumer complaint received 2018-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: C & M Associates Group, Inc. (CA)

The are trying to collect old very old debt from a family member i do not live with. I tell them to stop calling and they say I've never told them to stop calling And they become rude and abusive. The company is XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hillcrest Davidson & Associates (SC)

Received a call from XXXX XXXX at Davidson & Associates from number XXXX notifying me that I have a pending case with them from XXXX XXXX Loan. Claims I owe {$1000.00}, but will settle for {$500.00}. States that the last notification sent was on XX/XX/2017 by email. The " mediator '' on the phone call would not provide any information about the original debt, claiming that XXXX XXXX Loans does not provide them that information and would not provide XXXX XXXX Loans   contact information to obtain the information about the original debt.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc (CA)

I requested a copy of my A-PLUS report from Verisk and learned that it had been used against me by an insurance carrier. The documents that came with the report directed me to call the Verisk customer inquiry center if I wanted to open a dispute regarding inaccurate information. I called the Verisk customer inquiry center and spoke to Angelys who refused to open a dispute, stating that if I wanted to dispute something on my report I had to contact the claims department of the insurance company myself and have them tell Verisk to remove the information from my report. Verisk refused to accept my dispute request, in violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-09-05
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. (CA)

EXPERIAN AND XXXX  ARE DEPICTING XXXX XXXX, ACCT # XXXX .... 
WRONGFULLY ON MY BUREAU REPORTS. 
THE ACCOUNT DEPICTED IS INACCURATE AND INCOMPLETE.THE REPORTS TO NOT SHOW THE MONTHLY PAYMENT WHICH I PAID BRIEFLY ON THIS FRAUDULENT LOAN. 
THE LOAN APR WAS NOT EXPLAINED TO ME WITHIN THE 72 HOUR RECISSION PERIOD SO THAT I COULD UNDERSTAND THAT THE UNMENTIONABLE UNCONSCIONABLE OVER 100 PER CENT APR LOAN AND DECLINE IT.ATTACHED IS THE COURT ORDER REQUIRING THIS AS A PERMANENT INJUNCTION.I HAVE ATTACHED THE CFPB COMPLAINT AGAINST THE CREDITOR WHO UNSIGNED THE RESPONSE AND REFUSES TO MENTION THE APR RATE OR THE CA SUPREME COURT CASE THAT DETERMINED THE 100 PER CENT PLUS APR LOANS VIOLATE THE CA BUSINESS AND PROFESSIONS CODE. 
I HAVE ATTACHED DE LA TORRE VRS CASHCALL, THE CASE THAT THE SUPREME COURT CONCLUDED IN 2018. 
ADDITIONALLY IF THIS HAD BEEN A LEGIT LOAN XXXX SLEPT ON THEIR RIGHTS TO SUE TO COLLECT.THE STATUTE OF LIMITATIONS FOR THIS IS 4 YEARS ... HAS BEEN 6 YEARS. 
XXXX IS DEFUNCT YET STILL FIGHTING IN COURT TO KEEP THE MONEY THEY DEFRAUDED THE PUBLIC. 
THEY ARE DOING A FANTASTIC JOB WITH THE WORLDS BEST LAWYERS. 
IN BOTH CREDIT FILES THE MONTHLY PAYMENT IS NOT REPORTED INTENTIONALLY AND IS A VIOLATION OF THE FCRA.THIS IS DONE INTENTIONALLY SO THAT THERE IS NO RECORD OF THE INTEREST RATE ON FILE ... THE MATHEMATICAL COMPUTATION CAN NOT BE DONE AND THE EVIDENCE IS HIDDEN ... BUT THIS ALONE IS SUFFICIENT FOR XXXX AND EXPERIAN TO DELETE THE ACCOUNT IN ENFORCEMENT OF THE FCRA THAT THEIR DEPICTIONS MUST BE ACCURATE AND COMPLETE HIDING NO IMPORTANT SUBSTANTIVE INFORMATION SUCH AS THE MONTHLY PAYMENT, PAYMENT TERM AND DATE OF FIRST DELINQUENCY. 
I HAVE ATTACHED THE VIOLATED INJUNCTION, THE SUPREME COURT CASE, THE CFPB RECENT UNSIGNED RESPONSE OF XXXX HAVE ALSO ATTACHED MY MEDICAL RECORDS OF MY 4 XXXX. 
THE XXXX CAUSED XXXX AND XXXX XXXX PRIOR TO THE INCEPTION OF THI S LOAN AND MADE IT MUCH EASIER FOR THIS PREDATORY LENDER TO DUPE ME INTO SIGNING WHAT THEY WANTED.
Consumer complaint received 2022-07-26
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. (PA)

I reached out to the credit bureau 's ( Experian, XXXX, and XXXX ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not me.
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

Within the past few days, my sister in law has been contacted repeatedly by Commenity Bank trying to get in touch with me. I do not want them calling anyone about my personal matters besides me. 

The dates she was called are as follows : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis (OK)

Innovis has a bankruptcy on my credit profile XXXX that is not verifiable. The address they have on file state XXXX XXXX XXXX XXXX # XXXX but I sent a letter to this creditor and the response came back as they do don't verify bankruptcy non do they report them to the credit bureaus. I am now asking hat any and all bankrupcty be removed from my credit profile because uneer the FCRA the address to the credit must be accurate and verifiable. as you can see my the letter i am sending this is not the case.
Consumer complaint received 2022-07-26
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. (TX)

I have sent a prev. dispute detailing my situation and what items should be removed in leu of the situation. I also asked for particular information if these accounts were not removed but was not provided to me upon completion of the requested investigation.
Consumer complaint received 2018-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I had the Chase XXXX XXXX card. The day before my {$450.00} annual fee was going to be charged, I downgraded to the Chase XXXX XXXX card, which only has a {$95.00} annual fee. That said, Chase charged me the {$450.00} annual fee AND the {$95.00} annual fee anyway. I have called multiple times to have the {$450.00} annual fee refunded and they keep telling me to wait and that it would come off. On my last call, the lady said it would likely come off for my XXXX XXXX statement but the {$450.00} fee is STILL on my account and they are STILL charging me interest on the balance. I was given a small adjustment for the interest but it does not cover everything. I am at my wits end and want the {$450.00} refunded immediately.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (TN)

have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Consumer complaint received 2022-07-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

XXXX Payoff payment in amount of XXXX sent to AidVantage, XXXX, Oregon by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This payment was sent to wrong address, This was a XXXX Account. XXXX XXXX XXXX XXXX XXXX said Aidvantage processed the check on XXXX Contacting Aidvantage they have no info or account info. Referred me back to XXXX. XXXX XXXX from XXXX states payment sent to wrong address, payment can not be returned or refunded to me. Refund has to come from XXXX Treasury. 2-4 weeks. XXXX No refund has of today. Unable to make contact with US Treasury, live person not available. Recontacted Aidvantage, no account info. Recontacted XXXX, gave me a consumer advocate number, XXXX, waiting for return call. Aidvantage, XXXX XXXX XXXX, XXXX, Oregon, XXXX Navient, XXXX XXXX XXXX, XXXX, PA XXXX XXXX Complaint was filed against XXXX, there response was basically call AidVantage, of which they have no account info. Copy of complaint has been sent to XXXX XXXX XXXX XXXX for payment tracing ie who cashed the check.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am an XXXX XXXX XXXX  currently in XXXX and information was put on my credit report with my knowledge of said account and it is harming my future for clearance They are medical bills from XXXX XXXX hospital in XXXX XXXX in which I thought were all taken care as I moved to XXXX over a year ago and never even got bills. There are 3 bills in total including amounts {$1600.00}, {$250.00}, {$300.00}
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank on behalf of QVC reduced my credit limit for no reason. There was no decline in my payment history and no decline in my credit report. They purposefully and willfully impacted my XXXX store by doing this. I'm not asking for a credit limit increase that would further impact my XXXX with a hard credit inquiry. THIS IS NOT A DUPLICATE. THE ORIGINAL COMPALINT DID NOT ADDRESS MY ISSUE. I'M NOT ASKING FOR A CREDIT LIMIT INCREASE. XXXX and XXXX. Please read the complaints or I will keep filing.
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (AZ)

I was trying to get in this apartment I was denied due my credit. there were all these hard inquires and collections that damage my credit According 15 USC 1681 law that's a defamation to my character.
Consumer complaint received 2023-03-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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 this reporting account 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 below : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX : {$300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I applied for the TEPSLF program twice since XXXX. This is related to the Public Service Loan Forgiveness Program. Each time, my application was denied. I have met all of the requirements for the program. I was on a Direct Consolidated Standard repayment plan until I switched to an Income Driven repayment plan in XXXX. The Direct Consolidated Standard repayment plan is a qualifying repayment plan under the TEPSLF program. I have met all the requirements for the program : I submitted a PSLF Application and had it denied because of non qualifying payments, made 120 payments that qualify under the TEPSLF program, I have over 10 years of full-time employment with a qualifying employer, and my payments 12 months prior to applying for TEPSLF and my most recent payment prior to applying were on a income driven repayment plan. 

Even though I have met all of the requirements, FedLoan Servicing keeps stating I dont have enough qualifying payments. This is absolutely inaccurate and I have all of my statements over the years to prove it.
Consumer complaint received 2023-03-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am submitting another CFPB Complaint to dispute an error in my credit report. According to my credit report, I have a late payment on one of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. 
DEPT OF EDXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$3700.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$4500.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$9700.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$2300.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Letter send for Collection Validation : Request for Collection Validation, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account Number : XXXX See Attached Documents.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Altisource Portfolio Solutions, S.à r.l. (TX)

Last XX/XX/XXXX of 2019, I sent letter to Altisource ( attached evidence ). Also enclosed were photos of damages that Altisource have done inside my home when I was working. Altisources Agents entered my home at the time when we were negotiating for our HAMP Tier 2 Loan modification. Altisource have entereed constantly even without foreclosure on my home. Altisource continuously bothering inside and outside my home. 
Altisource have already created huge and insurmountable damages by breaking in my house by destroying 2 of my locks gates infront of home, removing the covers of all my attics, tearing all my carpets and destroying my walls as well my kitchen cabinets as shown on these photos I attached. These are evidences that they have harmed and done illegal acts inside my home that is not foreclose, and these are the reasons ; I am informing their wrong doings. 

I am requesting for your regulatory measures, In spites of my notice to Altisource, they disregarded and not respected my notice, instead Altisource continuously attempting to break in again to my home, in spite of their recent damages happened.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (NM)

collection company for XXXX XXXX is repeatedly calling me in an attempt to collect on a debt that they have not provided validation for in direct violation of the FDCPA. I have repeatedly told them to cease contacting me by phone and they continue to call and threaten me.
Consumer complaint received 2021-07-12
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. (SC)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.