davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I continue to have issues with the location ( at XXXX and XXXX XXXX XXXX Washington , DC ) and capital one in general. I have reached out many times and no one ever follows up. The person helping me was unable to help, saying I needed to call the 1-800 number. I explained I did that this morning. What are you supposed to do when you have an unresolved issue? How is it that an ambassador is not available on a Friday afternoon in person? When I asked that question, the other agent mentioned she. I questioned the name on the card I was given because its a male. I was told there are many ambassadors. Once I left, I called and literally the woman answered who I was having issues with. She was still very rude and disrespectful. She said I was given the wrong card before hanging up the line, no one would answer when I called back despite being still open. She refused to give her name. There is no accountability at capital one. I was told my debit card would arrive with 3-5 business days. According to the tracker, the card was just created today. It was just as " just created '' every day since Monday.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (PA)

Cainer and Werner Company INC of XXXX XXXX XXXX, XXXX XXXX, CA XXXX, has been sending me collection notices in the amount of {$240.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Consumer complaint received 2022-01-29
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: EQUIFAX, INC. (TX)

The banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( XXXX ). As a result of your carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow you to furnish a report on my behalf. As a result, I'd like to officially terminate all business and services.
Consumer complaint received 2021-09-24
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. (CA)

I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX, XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent accounts, fraudulent inquires and inaccurate late payments on my credit file even after going to the police dept and filing a police report. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them a full fraud package, I spoke to XXXX who said he was from the fraud department integrity team and stated that and she didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Block the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department The fraudulent accounts are reported on my credit are as follows ; XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX This account was never late and the creditor never verified such inaccurate information XXXX XXXX # XXXX This account was never late and the creditor never verified such inaccurate information XXXX XXXX # XXXX This account was never late and the creditor never verified such inaccuate information Fraudulent inquires ; XXXX  XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX  XXXX XX/XX/21, XXXX XX/XX/21
Consumer complaint received 2022-01-29
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. (TX)

The banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( 1 ). As a result of your carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow you to furnish a report on my behalf. As a result, I'd like to officially terminate all business and services.
Consumer complaint received 2021-09-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (TX)

Westlake Financial Services XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX WestlakeFinancial.com This business appears to have an ongoing practice of not releasing titles in a timely manner. I paid off my loan on XX/XX/XXXX ( one month ago ) and they have not released the title electronically to the TX DMV. I have called, emailed on numerous occasions. Multiple customer service agents have told me a different story every time ( it's on hold because of the address (? ) ; it's been released ; it's supposed to arrive XX/XX/XXXX, etc., etc. ). The title department does not answer or return emails or calls. One of the many customer service agents I spoke to informed me that even THEY could not get in touch with the title department. I have researched this and it appears to be a systemic practice for the company.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Michael J. Scott, PC (TX)

In XX/XX/XXXX my wife signed for a personal loan to consolidate debt. The original amount of the loan was {$12000.00}. A few months later I was laid off and we were unable to pay our bills. The account was charged off. The debt was purchased in XX/XX/XXXX by a company called XXXX XXXX. XX/XX/XXXX they filed a judgment. They hired a law firm, Scott and Associates, to collect the debt. Last Thursday, XX/XX/XXXX, Scott and Associates seized our joint XXXX XXXX checking and savings accounts, taking the funds we had in our accounts without any notice. I first called XXXX XXXX who would only speak to my wife. They said the accounts were legally frozen. I found a phone number attached to the transactions through online banking access and called Scott and Associates to learn more ( XXXX ). I reached a woman named XXXX XXXX at XXXX, who told me her firm had sued XXXX XXXX and would not release my accounts until I paid {$37000.00}. Then she said the firm would be willing to settle for {$31000.00} if I paid immediately. So, the original debt of $ XXXX is now fourteen years old and has somehow ballooned into $ XXXX, and Scott and Associates has unlawfully seized my bank accounts without so much as providing notice.
Consumer complaint received 2020-02-11
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)

Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX  access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach
Consumer complaint received 2020-02-11
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. (TX)

Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach
Consumer complaint received 2020-02-11
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. (MO)

I Have disputed XXXX  XXXX XXXX three times providing documents and even going lengths to even calling about the negative account that I have no knowledge of or never opened. There has still been no resolution pertaining to the fraudulent account, I have even taken action to freezing my social security because of this infraction. I have also been through a major loss in my family resulting in the death of my sister and have not or wouldn't have been able to create an account in the area it was made in because I moved for awhile I told the rep who was unable to assist or help me with this issue. 
Below is the account that needs to be deleted. 
XXXX  XXXX XXXX - XX/XX/2018 AMOUNT XXXX
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was XXXX  in the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. My information was used to establish these accounts by way of FRAUD! I have filed disputes with all 3 Credit Bureaus and contacted the creditors listed below. XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$27000.00} XXXX ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2100.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX With a balance of {$1600.00} XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2500.00} XXXX ) XXXX  XXXX XXXX  : Account # XXXX Opened on XX/XX/XXXX With a past due balance of {$820.00} XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$18000.00} XXXX ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$37.00} and a past due balance of {$32.00} XXXX ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$280.00} XXXX ) XXXX XXXX & XXXX  XXXX Account XXXX XXXX Opened on XX/XX/XXXX With a balance of {$3500.00}
Consumer complaint received 2021-09-24
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. (PA)

On XX/XX/XXXX a complaint was filed with Experian. Complain ID XXXX. Based on the company 's response it shows that they are willfully failing to comply with the Fair Credit Reporting Act. In my complain I listed specific items that must be removed immediately due to them never being authorized by me the consumer. They are in violation of 15 USC 1681b ( a ) ( 2 ) by having information on my consumer file that I never gave permission to be there. Per 15 USC 1681b ( B ) ( i ) ( IV ) once noticing that the information reporting on my consumer file was not authorized by me. I immediately wanted it removed. Per 15 USC 1681a ( o ) ( 5 ) ( C ) ( i ), Experian has to notify me the consumer within 5 business days of anything that is added to my consumer report. That was never done. This is a case of identify theft because I never gave authorization to Experian, meaning that someone else used my information. If the information was not authorized by me, wouldn't that make the information on my consumer report false?
Consumer complaint received 2022-01-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/2021, I sent MR. COOPER, via certified mail, in good faith an endorsed coupon that was attached to my remittance statement for accord and satisfaction of the obligation due. I included instructions in accordance with UCC 3-603 and UCC 3-311 . MR. COOPER received the certified mail on XX/XX/2021. I have yet to receive the original instrument back in the case of dishonor, as I am the holder in due course, or have the payment applied to my account. This now puts the account in a billing error. I am requesting documentary evidence of the journal, books, and ledger associated with my account as per my right pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I also want it be known that until the account is credited properly, or my original instrument is returned with documentary evidence of journals, books, and ledgers associated with the account, MR. COOPER can not collect, take any adverse action, restrict services, or make any reports related to said debt pursuant to 12 CFR 1026.13 ( d ).
Consumer complaint received 2021-03-10
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)

Company In Violation ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX Shown on Credit Report ; Original Charge Off Balance XX/XX/XXXX : {$14000.00} Balance Shown on Report XX/XX/XXXX : {$18000.00} Highest Charge Off Balance XX/XX/XXXX : {$23000.00} Hello CFPB, XXXX XXXX has continued to add INTEREST to the charged off balance on my credit report. I called and asked XXXX XXXX if they could report the correct information base on our payment agreement and they REFUSED. XXXX XXXX has refused to report the correct information on my credit report. This has caused my credit score to drop. Additionally on XX/XX/XXXX XXXX XXXX added a UNAUTHORIZED inquiry to my credit report which was later removed. 

On XX/XX/XXXX I entered into payment agreement with XXXX XXXX to pay the debt as stated in the attachment. The amount shown on the letter is for {$17000.00}. I paid XXXX XXXX a LUMP SUM of {$5000.00}. I have made 4 monthly payments of {$100.00}. XXXX XXXX still has INACCURATE information on my credit report. The current balance should be {$11000.00} as of XX/XX/XXXX
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (FL)

I signed up for a 0 % APR for 12 months offer beginning on XX/XX/XXXX and ending on XX/XX/XXXX. I have retained evidence of the contract in writing. I should also mention that I am a law professor and specialize in contract law, so I am a sophisticated party. Wells Fargo has confirmed these dates as well in writing. However, I was charged interest on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is in breach of my contract and unlawful pursuant to the Federal banking laws. I am due a refund from this bank.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX I used bill pay to pay XXXX XXXX {$25.00} for phone services. I was given a confirmation # XXXX. It posted on bank account on XX/XX/XXXX. On XX/XX/XXXX my phone service was suspended for non payment. I called the carrier and they had not received the payment. I had to make the payment to have my service restored. I called Huntington Bank on XX/XX/XXXX and was told the payment to XXXX was not sent and a refund was request and I would have it in XXXX -XXXX hours FILE # XXXX ... ... 
I check my bank account today ant the {$25.00} still was not refunded back to me. I called the bank today and they had closed the case. I called XXXX XXXX and they only have the payment I made on XX/XX/XXXX and no other payment. My next payment is to be made by XX/XX/XXXX meaning theu don't have any payment from Huntington
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Equifax ran my credit report on Sunday XXXX XXXX and there were 2 items on it that was incorrect. Two credit cards that have a XXXX balance they reported it with a balance. The first is XXXX/XXXX  they have it at a balance of {$280.00} On XXXX XXXX I paid the balance in full. Second XXXX  XXXX/XXXX XXXX they have a balance of {$89.00}, the balance was paid in full on XXXX XXXX. 
I called them today and the women I spoke with continued to repeat herself and said she could not verify me based on the the information I gave her and everything I gave her was correct.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (OR)

THEY REFUSE TO PROVIDE PAYOFF FOR A REFINANCE. I sent an authorization for payoff on 4 occasions each time they open a " ticket '' then close it without providing the payoff. They requested I change the name on the payoff as my name changed after marriage I have sent everything they have requested and they will not supply it. I sent the first payoff request with my new last name on XX/XX/XXXX. They said the wanted it my old last name sent it on on XX/XX/XXXX then again on XX/XX/XXXX the final one was sent on XX/XX/XXXX. Each time they close the ticket without response. I call in and they say a manager will call me back as they are all busy and no one ever calls back. If you ask to be routed up to a manger they are always busy. If you ask for the payoff department you are told they do not have a direct line.
Consumer complaint received 2017-08-23
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I have purchased 3 vehicles from XXXX/Toyota in the last seven years. I traded my first XXXX in for a new XXXX and bought an additional XXXX XXXX. I am in the process of building a custom home and needed to payoff the XXXX XXXX ( three years early ). I put every penny made into paying this car off early. 
My payments were : XX/XX/XXXX {$9000.00} XX/XX/XXXX {$8100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} I made the last payment on the XXXX XXXX on XX/XX/XXXX. I received a refund check of {$830.00} on XX/XX/XXXX. I thought it was an overpayment. I received a call a few weeks later saying that I missed the XX/XX/XXXX payment. I then realized that I accidently paid my XXXX XXXX ( # XXXX ) payment to the XXXX XXXX account. I now have a 30 days past due mark on my credit which is affecting my chances of closing on my house in two months. I understand that I made an honest mistake and that is why the money was sent back, I try to pay overage on all of my payments. I was planning on buying a XXXX XXXX after we closed on my house, but how can I give my business to a company that I was loyal to for so long and three cars later. I have spoken to three representatives at XXXX XXXX XXXX and the pretty much told me 10/10 times they will remove this mark from my credit because of the situation. I got a letter today stating that they will not remove it.
Consumer complaint received 2021-09-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Experian refuses to remove debt accounts from my credit file that are not accurate. Sent me results that are showing g accurate for XXXX XXXX XXXX XXXX duplicated on my file that was included in my 2018 bankruptcy. XXXX XXXX is a timeshare that was included in my bankruptcy and should not be able to bill me or sell account to collections as it was included in my bankruptcy. 

Experian also refuses to remove XXXX/ XXXX as it violated CARES act by place that debt on my File during COVID-19. 

Can you please assist? 

Thank you! 
XXXX XXXX
Consumer complaint received 2020-02-11
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. (TX)

Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach