davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (KY)

I have been trying to enter an income-based repayment plan, however most of my online request forms have been ignored and 2 of them have been put on hold. One of the emails said the request was put on hold until closer to the end of my grace period, however while I 'm in my grace period interest is still accruing and I therefore want to start making payments as soon as possible. I have tried emailing them several times about the issue with no response. Thus I am being forced to make payments outside of a payment plan ( which wo n't go towards my public service loan forgiveness ) in order to prevent any additional interest build-up.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute with Experian, for the last year they have been sending me letters saying they will not investigate the accounts that are wrong. I called them and asked them why they had not specific reason and then denied me from disputing over the phone. I also told them that there were inquires backed from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX that were listed that i did not approve, insurance, utilities and credit being that i have lived at my address for over 10 years. I tried to contact the creditors as i was told with no response as well.
Consumer complaint received 2023-04-17
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. (CT)

I recently disputed inaccurate, Incomplete and fraudulent accounts/inquiries related to my credit report. 
Accounts are to meet all FCRA standards meaning all information is true, complete and accurate. The bureaus stated these accounts were updated and meet FCRA standards!!! They are not which is a VIOLATION OF MY RIGHTS. 

After receiving updated credit information per FCRA guidelines there are inconsistincies and inaccurate information amongst all three bureaus WHICH ARE A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681 and go against the Fair Credit Reporting Act. 


The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the date LAST ACTIVE is inaccurate, and date last PAYMENT is not accurate. This is ground for removal. 


The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the HIGH CREDIT & CREDIT LIMIT are inaccurate and inconsistent the DATE LAST ACTIVE is inaccurate, and DATE LAST PAYMENT is not accurate. This is ground for removal. 

The Credit bureaus stated Account Name XXXXXXXX XXXX  Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, number of months/terms is inaccurate the PAYMENT STATUS is inaccurate, and DATE LAST REPORTED is not accurate.DATE LAST ACTIVE is inaccurate also. This is grounds for removal. 


The Credit bureaus stated Account Name XXXXXXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate.DATE LAST ACTIVE is inaccurate as well as DATE OF LAST PAYMENT. This is grounds for removal. 


ATTACHED ARE SUPPORTING DOCUMENTS FROM THE BUREAUS WITH THE VIOLATIONS. 
A COPY OF COMPLAINT IS BEING FORWARDED TO THE ATTORNEY GENERAL AS WELL AS THE FEDERAL TRADE COMMISSION. 


They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

I checked my credit report and it says that I have loans out in my name but I do n't have any loans that I am aware of. I believe that I am a victim of identity theft. Furthermore, the report says I have car loans out in my name and school loans as well.
Consumer complaint received 2022-10-06
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: Resurgent Capital Services L.P. (CO)

Extended Complaint regarding case # XXXX. 

The FDCPA has already defined what communication means via 15 usc 1692a ( XXXX ) The medium that LVNV funding LLC has chose to use is my consumer report for an alleged debt I do not owe. 

Secondly another violation LVNV funding LLC has furnished very deceptive forms making it seem like a creditor and LVNV funding LLC is attempting to collect a debt. which is a violation of the FDCPA 15 usc 1692j according to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

This has cause distress in my life and is harassment regarding a debt I do not owe this has cause the undermining of my credit worthiness and as prevented me from acquiring a mortgage and has put me into a deep harmful XXXX. The ways these debt collectors prey on consumers has to be stopped this is not fair and that is why congress put into place the FDCPA and STILL companies dont follow the law. I really hope congress finds a way to stop the abusive practices from debt collectors that try anyway they can to take from consumers as a profession. During the congressional findings congress found this to be true and accurate. That there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I previously sent a letter on XX/XX/2022 and set another letter on XX/XX/2022 to follow up the previous letters I sent. As of todays date Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I need the following accounts corrected and if the Credit Bureaus chose to not comply with the simple request, I would greatly appreciate it if the Credit Bureaus would remove the disputed accounts from my Credit Report : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2018-03-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: First Data Corporation (TX)

They called me about a year, year and a half ago and said I need to make a payment. I thought it was a different company and gave him my information when I realized the information was not matching my loan and had the card company give it back. They said I better not do that. Then I asked for dates and names they always gave me different dates and different middle name. Then they refuse to give me any information. I started getting calls saying I was going to jail and they were putting a lien on my driver 's license. Now they are saying they are going to have court papers delivered to me. I check with district court there is nothing like this under my name. Then today they call my family member and left a message that they will deliver these " papers '' to me at my home or work tomorrow. They called from an unknown number. My family member forwards the message to me. I have save 2 or 3 of the recordings they sent me.
Consumer complaint received 2015-08-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had a Capital One Bank Account for several years. I opened a standard checking account for my military direct deposit. XXXX years after opening the account I got XXXX from XX/XX/XXXX to XX/XX/XXXX. While XXXX I had my direct deposit changed from my Capital One account to a more interest earning account with a different financial institution. I left my capital one account still open with a balence of {$1600.00}. Several months after returning from XXXX I discovered that my account information was compromised somehow and over drafted - {$570.00} and closed. I attempted to notify the bank that there had been fraudulent transactions that took place and they stated my card was used and transactions brought my balence to - {$70.00}. The other {$500.00} was overdraft fees. They then refused to commit a proper investigation because i was too late to report. I notified capital one that I was XXXX and had all paperwork Including my military XXXX while transactions from multiple states in the US were taking place but they seemed to not understand to the military community. They have since then ruined my XXXX record and as a result am unable to open a bank account with any bank
Consumer complaint received 2015-12-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Business and Consumer Solutions. (CA)

FBCS has placed a collection item on my XXXX credit report and done so without contacting me before-hand.I Just realized about the collection after getting an an alert on my credit bureau. 

I have no idea of the debt,
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (AR)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (OH)

XXXX/XXXX/XXXX received a voice message from Vanderbilt Mortgage stating they were collecting a debt. My mortgage has been with them for over 10 years. I have money direct deposited weekly into a special checking account for them to draft their payments. Never been any problems. They say that in XXXX XXXX another customer wrote my account number on his check and the payment was credited to my account. I did n't catch their mistake. I hold up my end of the original agreement and assume VM does the same. I told them to go ahead and withdraw the missed payment from the account but they said I had to give them all the account information over the telephone. With trepidition I gave them my banking information on XXXX/XXXX/XXXX and kept watch on the account. On XXXX/XXXX/XXXX I called them since the money had not been withdrawn. Was told it usually took 14 days and would occur on Friday, XXXX/XXXX/XXXX ( it did n't ). On XXXX/XXXX/XXXX while at work they called and said they were collecting a past due debt. I went through the entire scenerio with them again. I have never had to deal with such rudeness. I gave them all the financial information again. I was also told that I would be charged a late fee for each month beginning in XXXX XXXX when the payment was missed. I do n't understand this as I fulfilled my agreement and the money was always available in the draft account. They messed up by applying another customers payment to my account. Was I at fault? Should I be penalized? I 've heard so many horror stories of Vanderbilt Mortgage ruining innocent people and their credit. I appreciate any guidance you can provide. Thank you.
Consumer complaint received 2021-10-09
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2016-05-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

Wells fargo denied my loan modification based on inaccurate information .Theu claimed I have a transportation expense when indeed when the correction of that was relayed via overnight certified mail and verbally to their home retention unit and XXXX XXXX month ago.Without a transportation expense I most certainly do qualify to get this modified taking XXXX % of the rents ( {$1300.00} ) by wells fargos models ( with this trANSPORTATION expense backed out would certainly cover a hypothetical 30 year note payment at market intrest with aggragate balanced arrearage owed included.Enough is Enough.wELLS IS LOOKING IN EVERY WAY TO STOP THIS MODIFICATION FROM HAPPENING.
Consumer complaint received 2022-10-06
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: Collection Management Holdings, LLC (KY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15usc1681 section 602, states I have the rights to privacy. 15usc1681 section 604a section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-10
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. (GA)

I am frustrated to see the Credit Reportng Agencies do nothing with my request to remove the dipsuted fraudulent items from my Credit Rpeort. It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information completely from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CO XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$760.00} ACCT XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} ACCT XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$820.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I was on deferment with thin long and in the process of being on deferred loan I Fort was applying for XXXX through XXXX XXXX and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is in reference to XXXX Account # XXXX that was recently charged off due to late payments. My grandmother was XXXX, her name is XXXX XXXX - due to her illness, I had not choice but to quit my job and take care of her. I am back on my feet now, I settled all my debt, but unfortunately I did it on bad terms that are now haunting my credit history. Please help me remove the derogatory items from my credit report as was promised to me by the representative from the charge off company that took my payment and promised that my credit will now be fixed and the derogatory item should no longer show up as late. I am a young professional, and it 's very difficult for me to get a job or one day get a house because everyone is looking at credit reports these days.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One violated California Civil Code Section 1747.85 by cancelling my credit card without first giving 30 days ' written notice of its intention to do so. 

Capital One is blocking any finding of its accountability under the cited law by refusing and/or failing to provide information on a consumer 's recourse, specifically whether they consent to consumer arbitration as a method of resolution. By refusing/failing to provide such they are thwarting my and other consumer 's rights to fairness and accountability. 

I have tried to ascertain the information on consumer recourse by directly calling the bank and discussing the issue with a representative of the Capital One executive team, speaking to a consumer rights attorney, and by analyzing the card member agreement. All such investigations did not yield an answer as to a consumer 's recourse against Capital One for an alleged violation of the law by Capital One.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I am writing to file a complaint about Capital One. It is regarding my account numbers ending in XXXX, XXXX, and XXXX. 
I have been an account holder of theirs since 2000. I have never paid any of the accounts late. Recently, I noticed that they increased my rate on my account ending in # XXXX to 23.15 %. They have also increased the rate on my account ending in # XXXX to 18.15 %. Both of these accounts have had balances, and they have been steadily increasing the rates on these accounts. I believe they have been doing this in a predatory manner, primarily because the accounts have balances. In comparison, my account ending in # XXXX is not in use, although it is open, and my interest rate is 10.17 %. It is also important to note that my credit bureau is in good standing, and all of my other credit cards have rates of less than 15 %. When I called Capital One to complain, I spoke with a rep named XXXX. She gave a fairly lousy excuse for the rate increase, stating prime had gone up. But she offered to lower the rate to 20.15 % for 7 months. I is also important to note that the XXXX credit cards with balances have lower cash advance rates compared to purchase rates, which makes absolutely no sense ; cash advances are a higher risk than purchases due to the nature of the transaction. Simply put, I believe they are increasing the purchase rate on my credit cards because of running balances that are not always paid in full each month. In other words, they are preying on my ability on whether I can pay the accounts off.