davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I accidentally sent two payments to my credit card company to settle an existing balance on the card. I contacted Capital One to have the overpayment refunded to me on XXXX. They agreed to send a check using US Mail that day.

After two weeks, I still have not received my money.

Given that this missing money is a major hit to our finances, I checke
d in numerous times with Capital One this past

week to track the progress of these missing funds or to find out ( sooner rather than later ) if there was a problem. Each time I called or online chatted, I was always told the rep had researched the issue and was assured the refund had been processed. Every time I was told I had no choic
e but to keep waiting until its anticipated arrival on or before the 10th business day.

No tracking information was ever available, and no explanation was given why USPS First Class mail took 10 days to find its way between two major cities when in real-life it normally takes 2, maybe 3 at the most.

Meanwhile there was no indication on my online account to show that this payment had been processed or sent, but the online reps told me I just had to wait.

Also, Capital One insisted " business days ' were Monday through Friday, even though the delay ( supposedly ) was the result of USPS service which operates *6* days a week. This meant we had some disagreement about what date was actually the " 10th '' business day - although that eventually turned out to be a moot point. 

" XXXX XXXX '' was the third representative to discuss the problem with me today. After nearly an hour, he finally confirmed the check **was never sent in the first place** despite repeated assurances to the contrary by previous representatives. 

He offered to mail me a refund check by US mail which would take - surprise, surprise, 10 business days. This will have left me without my money for nearly a month. I asked for further assistance since he seemed unable or unwilling to take the obvious corrective steps. I was told he couldn't do anything and someone else would have to call me for further assistance. But, to get this assistance, but I'd have to wait yet ANOTHER 48 hours.

Unsurprisingly, 48 hours passed ( yesterday ) and no call from Capital One. 

I called again today and after several escalations was told I would have to wait for someone from their Executive office to contact me later. So ... another delay. 

Capital One continues to hold my money against my explicit instructions and wishes.
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Dear CFPB, I am filing this complaint through your office for assistance in regards with the inaccuracies on my credit file. I have mailed a dispute to credit bureaus but I was not able to receive a good response. 

KOHLS/CAPONE XXXX
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX or before I opened a BOA card for emergencies. I got married in XX/XX/XXXX. I did not realize before marrying this guy he was abusive. He used my card with out my knowledge for years, because I was not allowed to get the mail I did not see the bill. When he maxed it out I saw the bill because he refused to pay it. I called the company and told them what happened and all they would do is set me up on a payment plan. I did not realize I was not liable if I did not authorize him to use it. I thought because we were married there was nothing I could do and they did not tell me I could do anything. We have been divorced not for about 5 years and when I moved out I took only my clothes so my son and I could get away. We moved to another state in hopes he would not follow us. As a result I could no longer pay this bill and was told I should not have to by other people so I decided to not worry about it. When the company called I told them the situation again and they said that I had to pay. I tried to tell them I did not authorize him to use it but they did not care. Now they are suing me. They should sue him for fraud.
Consumer complaint received 2018-09-10
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. (UT)

XXXX XXXX XXXX is reporting inaccurate information. I have been disputing it and it is still not fixed. The timeshare deed was transferred and sold, it is not ours anymore it was paid! 
The bureaus are not getting valid verification and XXXX XXXX is NOT valid verification! 
This is erroneous and affecting my financing. 
The next correspondence is going to be from my attorney.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The credit bureaus stated my account was properly investigated, but how is that possible if the high balance, last verified dates, dates of last activity, date reported, date opened, balance owed, creditor type, last payment, term length, account type, payment frequency, payment status, account status, two-year history, payment status, and days late- 7 year history are not accurate. This is grounds for removal and they also violated my rights under 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the DEPT OF ED/XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 1 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-07-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (TX)

I had a student loan of {$4000.00} some years back. Unfortunately, I couldn't continue to finish up with my XXXX  college education then, due to XXXX treatemnt and surgeries. However, I defaulted for a period of XXXX month, when I have to choose between paying or have my family XXXX XXXX XXXX in XXXX. I choose the the later for that breif period, whereafter I continued my payment ever since, after my recovery. 
Since then, the reported late payment had been an impediment from getting any form of loan, be it personal of business. It's been XXXX year of punishment for a late payment, which I have been faithfully paying until my moment of weakness, and thereafter. I tried to appeal for a removal this year XXXX, but was denied that it has to stay on my report for atleast 7 years. As a struggling XXXX XXXX, and a faithful taxpayer, this is unfair, because late payment due to XXXX  doesn't has to stop one from living a decent life. The balance left remaining is {$2900.00}, which I will continue to pay until the obligation is met. The account number for the subsidized and unsubsidized loan is XXXX. MyFedloan was recently transferred to XXXX
Consumer complaint received 2023-03-18
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

my wife had 3 XXXX  XXXX in 2 years. i got laid off from XXXX XXXX XXXX. missed a lot of work then got laid off. got a letter last week from XXXX, XXXX XXXX XXXX stating i had 45 days to cure the default. started to get solicitations yesterday fro lawyers saying public record has foreclusure sale on XX/XX/2018. not 45 days. still working with carrington on modification.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: OPTUM BANK, INC. (IL)

Optum bank closed my H.S.A account on XX/XX/XXXX. They checked in their records and they confirmed I did not authorize this. Optum also has withheld a {$220.00} deposit from XX/XX/XXXX and has thus far not returned these funds.
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I would like to dismiss this student loan I been paying for this loan since XX/XX/XXXX, College closed end of XX/XX/XXXX, was not able to successfully obtain a job in my career field, due to the high cost of these loan 's not able to purchase a home. continue on income sensitive for years, now that is closed they did not credited me to go back to school tuition free.
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

Start calling at XXXX am. Calling up to 15 times a day. I called and asked for them to please stop calling me over 10 times a day. The man said he would make a note so that they wouldnt and its still continuing. Today alone, 11 times and its only XXXX.
Consumer complaint received 2023-03-18
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered today and last week that when calling TransUnion or XXXX or XXXX these creditors talk as if they are confused about their job purposely this purpose dizzy conversation holds me on the phone until the civilians come and use my information to tap into my phone I've paid one of the civilians to learn that they have my full information filing loans I went opportune and canceled One loan today two individuals male and female came as a TransUnion employee held me on the phone talking as if she didn't understand when I gave a full clear understanding over and over this resulted in my Wi-Fi coming on my Bluetooth coming on and the phone being disconnected and me having to call back and give my information again in public there is employees on the inside working with civilians on the outside I experienced this more than once
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

citi card is not addressing fraud on my account 1- two unauthorized vacation packages on my credit card were not disputed despite my request to citi 2- a charge by XXXX for XXXX was not taken off my credit card despite the company cancelling the flight. 

citi says they have to go by visa regulations?????? and they are not responsive to me i called citi several times and was told a supervisor would call me and they never did.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have paid in full the amount owed to XXXX but they report the account charged off closed also they have an limit of {$3500.00} it was never more than {$39.00} dollars I paid it and they responded by saying they got the payment but contact the person they sold it too
Consumer complaint received 2018-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

A.R.S. 12-548 ( A ) ( 1 ) specifies a contract in writing that is executed in Arizona State.

Section 609 ( e ) ( 1 ) of Public Law 91-508, Fair Credit Reporting Act, strictly prohibits  reporting information for which there is no copy of application or substantiating signed document. 

As it stands, Wakefield & Associates are currently in violation of Section 621 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act.
Consumer complaint received 2018-09-10
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Financial has refused to hold their end of the contract and issue a title release or even credit the account closed. 

I called the middle of XXXX notifying them I needed an address to send a certified check, the gentleman who helped was very nice and provided an address to deliver the money to. 

Toyota received the monies for the account on XX/XX/2018. Again this was a certified check from XXXX XXXX  and included a master billing statement stating where the money was to be applied and the vehicle paid in full. I was expecting the account to be credited the following Wednesday since Monday was a holiday. That never happened. 

I called Toyota on that Friday and they stated they had a " short week ''. As I am typing this I am on hold with them expecting to talk to a manager as promised about getting the title sent out ( notifying the DMV ). 

Toyota has many problems with this same situation. I believe an attorney with adequate knowledge would find that a class action lawsuit against Toyota would end these criminal practices.
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IA)

Navient is my loan servicer. My monthly payment is {$110.00} per month on a consolidated federal loan. I routinely pay my loan and have never missed a payment. Sometimes I make overage payments ( {$150.00} instead of {$110.00} ). Instead of applying the difference to the principal, they reduce the amount of the loan due for the next month. If I make a payment that exceeds the next month, they advance the due date of the loan. Per their instructions, I attach a post-it note to the check that says " Do not advance due date. '' Evidently this has not been happening. I just made a payment of {$500.00} ( that has not posted yet and it's been 10 days since I mailed it ) and they told me it would push my payment ahead four months. I told them that's not how I wanted it. I changed my account settings to reflect this on their online system as well. 

Navient consistently demonstrates their efforts to take advantage of students paying off their debts. They capitalize on the interest and hope they don't get caught. I explained to them that if they're going to extend my due dates out for the loans, I should just not pay them for four months, save the {$500.00} per month myself and then pay the entire balance off at once. 

This is utterly ridiculous. How can people get out of debt under this manipulation and misrepresentation.
Consumer complaint received 2018-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

its Ditech.com that is perpetually SO IMPOSSIBLE TO access to log into my account is like breaking into XXXX  for two years, once in a lifetime u get into the home page, clicking the log into my account gave you Error page. i spent tons of money calling from overseas n the answer they gave u is " dont use iphones, and when i said i did not n they came up with other excuses like we can get on fine, it must be your network!!. i have complained n send them emails n they got back with a do not reply email that simply condescended you with someone will be in contact ... .3-5working days, WHAT THE HECK??
Consumer complaint received 2018-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I applied for the IDR plan and was told I was in good standing. I knew I had to pay a {$5.00} one time fee and was waiting on the bill to come. It never did, so I called back up to XXXX and they told me that the {$5.00} payment went through electronically. Come to find out, it did not go through electronically, however, my application expired due to lapses time of payment. Now I am 21 days past due and having to re-submit paperwork to make my payments. 


I also am only showing 8 payments towards my 120 payments and it should be more. I sent in the Employee ID Form and it is approved. This has also been an issue that I have been fighting for since my consolidation. 

XXXX is acting very poorly on my behalf as I try to do the right things. This is just not acceptable to me.
Consumer complaint received 2018-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (ND)

submitted an online dispute. Received an email stating that the request has been completed. Upon entering my information to review the results I received a mesage that my information does not match Equifaxs records. Phone Equifax and got a representative that spoke very poor English. Rep verified what Equifax hace for my records, which was the exact information I used when trying to review my dispute results. Then I was told that there was no dispute showing & the rep took my dispute over the phone. I again got an email stating my dispute has been complete and yet again when trying to retrive the results I got a response that my records did not match Equifax records. Contacted Equifax again today XX/XX/18 got another representative that spoke very broken english stating the same thing the previous rep stated. Askes how can I retrieve my results and was told that I cant and that she can submit another dispute. I believe my information is being held from me due to fraud on Equifaxs part.
Consumer complaint received 2023-03-18
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXXXXXX, # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.