davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

application XXXX with Capital One was denied. upon original application, i received a message that they needed to verify my information and sent a link for me to upload my social security card and front and back of drivers license, i submitted via hyperlink and called in to confirm receipt, they advised after 3 days they didn't have it and provided a fax number for me to send. called back, they confirmed receipt and the application was denied as unable to verify my identity. i found this peculiar as the information has hit my credit report as an inquiry, i have reached out weekly as i have not received the denial notification, yet still advised verbally the application is denied and they aren't able to advise why. I am now leery as to if this application was valid and truly went through Capital One, even with people being able to access the application over the phone. There is no way for me to validate what is going on and if this was truly Capital one, yet i have faxed and uploaded my personal information and photo identification card. fax sent on XXXX fax number XXXX verification of fax received. phone number i have been contacting is XXXX
Consumer complaint received 2019-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was charged a late fee by Bank of America for paying the credit card late by just 2 days. Instead of XX/XX/18, I paid on XX/XX/XXXX and I am charged XXXX $ late fee and then purchase interest. I dont usually miss it. I call the customer care requesting to waive off and they say its not refundable. When every other bank can refund and show value to their customer, why cant BofA. They have the worst customer experience. Definitely horrible. Then I go to the base branch and the banker can not do anything about it either. Totally ridiculous.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EdFinancial Services (CA)

XXXX has been non-compliant with removing the unverified account ED FINANCIAL/XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ED FINANCIAL/XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-06-14
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Experian 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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 XXXX XXXX XXXX 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 2019-01-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES (FL)

Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XXXX  and did not manage to get forbearance/deferment completed, accepted Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed. The amounts are XXXX and XXXX.per FCRA I should not be responsible for this loan. due to inaccurate information and a 3 party reporting to credit reports.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-23
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. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Services Association (TX)

I was paying down a debt that was in collections and the original collection agency didn't inform me that they sold the account, and I made a couple more payments to that company and now this new company wants more money. I'm not going to pay anything more. This practice should be illegal and today I'm calling the Texas Attorney General office and have this stopped.
Consumer complaint received 2019-01-01
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)

I have for 3 moths w XXXX  XXXX  and Experian filed documents and evidence they have all things wrong anc my credit score where I cant do what I need, and fix my life I filled forms and online to all 3. They WANT ME TO PAY. They have bankruptcy I have court documents that it and all info needs removed., identy theft and cards w fake  names on there..
Consumer complaint received 2023-03-31
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-06-23
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Dream Center Education Holdings (CA)

In XX/XX/2008, I enrolled in the school I took 3 classes one class twice I dropped out in a timely manner, they ended charging me for the full program. I do not owe them that. I owe them completed 2 classes only.
Consumer complaint received 2018-01-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I have been paying off my loan for over 4 years. The initial disbersement was at {$20000.00} with 10.64 interest rate in XXXX of XXXX, I occurred {$4000.00} of interest from the before making my first payment in XXXX, Ive been paying $ 325+ a  month which works out to more than {$15000.00}. The total amount I still owe on the loan is over {$17000.00}. I just spoke with a rep who said he would escalate the issue since the math doesnt work out. I have also been denied a co-signer release due to my credit score, but most of the money spent on my credit cards in collections was to pay off this exorbitant, overcharged loan.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (MN)

To Representative of CFPB : I am filing this complaint to request your help in getting restitution for one of my TCF accounts.

I have had my checking account with TCF for more than 20 years. My wife also has 2 checking accounts with TCF. We share one account. So we have three accounts all together.

All 3 accounts were opted in on the same day, we were both at the bank at that time.

She has received restitution for her individual account, and our joint account has received restitution.

I have not received any restitution for my individual account.

I called the TCF admistrators number on XXXX, XXXX XXXX XXXX XXXX and did not get any help to resolve this matter. 


This account had a lot more overdrafts than both of the other 2 accounts. 
Can a CFPB representative get back to me please. 


Q1. Can you help me get restitution for my checking account? 

Please let me know the answer to this question. 
Thank you in advance for your help. 
XXXX
Consumer complaint received 2019-01-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (FL)

I borrowed XXXX was supposed to be charged XXXX to pay back I been paying XXXX a month to renew agreement the balance stays the same until I have the whole XXXX the XXXX is just they money to keep its killing me it's not fair nothing comes off unless I have the whole XXXX
Consumer complaint received 2019-01-02
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. (OH)

Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX | XX/XX/2022 : Account number : N/A, This inquiry is unauthorized. Please DELETE!
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: The Stark Collection Agency, Inc. (CA)

XX/XX/2021 - XXXX ( XXXX XXXXXXXX XXXX XXXX ) reported inaccurate information to the consumer reporting agencies. As Per form 1099 C ; According to the IRS Cancelled debt gets reported as income and income does not get reported on consumer reports. Also according to 15 USC 1681a2 I did not give permission to have theses inaccurate accounts furnished on my Report.
Consumer complaint received 2019-01-02
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. (OH)

Please substantiate your claims regarding information XXXX XXXX XXXX XXXX XXXX transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that XXXX XXXX XXXX XXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX XXXX XXXXto the credit bureaus should be deemed discrepant and may indicate XXXX XXXX XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed the XXXXXXXX XXXX  30 day late payment over 60 days ago and have not received proper dispute results from XXXX or Trans Union, XXXX  sent a response that the account was current and never late but still did not remove the 30 day late payment in XXXX. These errors have left me handcuffed as a young XXXX XXXX who was in the hospital during covid 19 to have these negative reports leaves me at a complete disadvantage and i fell i'm being taken advantage of. 

XXXX responded to me that there was a banking error and they would update the credit beauraus and when they did not I sent in a dispute immediately over 60 days ago and no action has been taken since.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I disputed the XXXXXXXX XXXX  30 day late payment over 60 days ago and have not received proper dispute results from Experian or XXXX XXXX, XXXX  sent a response that the account was current and never late but still did not remove the 30 day late payment in XXXX. These errors have left me handcuffed as a young XXXX XXXX who was in the hospital during covid 19 to have these negative reports leaves me at a complete disadvantage and i fell i'm being taken advantage of. 

XXXX responded to me that there was a banking error and they would update the credit beauraus and when they did not I sent in a dispute immediately over 60 days ago and no action has been taken since.
Consumer complaint received 2021-03-07
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: CREDIT ACCEPTANCE CORPORATION (TX)

Purchased a used vehicle and financed through Credit Acceptance. In 2016 the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could Credit Acceptance tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.
Consumer complaint received 2019-01-01
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. (AZ)

I am a victim of identity theft. I was notified by U.S. mail and email by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that my personal information was compromised due to the data breach that occurred on XX/XX/2018. The following XXXX XXXX XXXX  XXXX XXXX XXXX Visa credit card account ending in : XXXX and XXXX is fraudulent, unauthorized, not mine and the is the result of the data breach from XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I never applied for the accounts.
Consumer complaint received 2021-03-07
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: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-01-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile. 

Please see the following.

( 1 ) - XXXX XXXX XXXX XXXX states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account.

( 2 ) - Capital One : {$560.00} Anything you can do will be greatly appreciated. 

Mr. XXXX XXXX.
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was trying to figure out how these address on my credit that are not mine. THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE DELETE. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, Ohio XXXX. My employer XXXX XXXX XXXX XXXX XXXX. XXXX XXXX   THESE FOLLOWING ADDRESSES ARE NOT MINE : XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX