davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had used a CapitalOne Visa credit card to pay for travel. Due to the Covid-19 restrictions the trip was cancelled and the company refunded the money. On Friday XX/XX/2020 it appeared as a Pending credit in my account. I called to have it sent to me and was told they could not begin the process while it was pending. On Saturday XX/XX/XXXX I spoke with XXXX in Customer Service at CapitalOne who explained to me that their policy was to issue a paper check, they were not able to refund it directly to the checking account from which monthly payment is taken. She started the request for check and said it would be about two weeks. 

Wednesday XX/XX/2020 I checked and there does not appear to be any activity to move the credit balance. I called Customer Service and spoke with XXXX who informed me they were working on the transfer but it would take a minimum of fifteen business days. I asked to speak with a supervisor and was transferred to XXXX. We discussed federal banking regulations limiting the amount of time a financial institution can hold funds and that since this had been an electronic transfer a hold of fifteen days was out of compliance. He explained that was an internal CapitalOne policy and there was nothing he could do.
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (WI)

On XX/XX/2024 I contacted Upstart to confirm payment process via check. I received an email with payment instructions and mailing address. On XX/XX/2024, I mailed the final balance of loan {$14000.00} to arrive on XX/XX/2024. I was provided a tracking number and confirmed it was received on XX/XX/2024. My account also showed the payment would be processes on XX/XX/2024. On XX/XX/2024 the payment possessed for {$15000.00}. On XX/XX/2024, I received an email for a check error and an assessment of a {$15.00} fee for a returned check. When I called upstart.com. I explained they made an error and processed the incorrect amount. I sent them a copy of the check and showed the error in the amount. I was told this would get taken care of. I called on XX/XX/2024 and XX/XX/2024 with no resolve. On XX/XX/2024, I called and spoke to a supervisor that advised me the process could take XXXX. I advised there is a payment due and was advised I would have to pay that. I need this error that was cause by Upstart.com to be corrected. I should not have to pay any additional interest for their error. Please assist.
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Lease
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: Upstart Holdings, Inc. (FL)

This vehicle was refinanced by Upstart 2023 from XXXX XXXX XXXX, removing my wife from the tag, title, and registration. Later during the year ( XXXX ), car reprocessed. 15 days later, paid the payments and fees to regain ownership. I had to get the vehicle from XXXX XXXX, and drive to the towing company, XXXX XXXX XXXX for the tag. ( Florida states 45 days before the car can be sold ) When they refinanced my vehicle, the tag and registration listed in my wifes name. XXXX, I tried to renew the tag and was told by the DMV, no information in the system in order to renew the tag. 
Ive been reaching out to Upstart ever since. Making payments on a vehicle I cant drive. Work, doctors appointments and personal pleasure. 
I call every week, with the same excuse and blaming XXXX XXXX and even the tow company. Even mention that XXXX wouldnt allow them to register the vehicle after they changed the registration to Upstart. 
Last week, I was told I would have it in 2 days, and give the DMV a call to get the tag. DMV still dont have any information still on my vehicle. 
XX/XX/2023 to current
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address a fraudulent items on my credit report, which I believe stem from inaccurate information resulting from fraudulent activity. 
I insist that you promptly remove all fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

I set up a new payment account to pay my Banana Republic Visa bill through Synchrony's website.  I had the wrong account number so the payment was returned. I was notified of the returned payment by Synchrony but NEVER notified that more than one returned payment would result in my account closure and loss of points earned. I revised the payment account number but this was also returned. I contacted my credit union and was informed I have a limit of 6 transactions per month from the account, which I was unaware of. This is why they refused the electronic payment. I then logged in to the Synchrony website to revise the payment method, and saw it said "this account has been closed." I then received an email from XXXX XXXX asking if I closed this account. I NEVER got notice OR warning from Synchrony Banana Republic Visa that a second returned payment would result in immediate closure of my account and loss of points. I called Synchrony and was told, sorry it's a term (hidden someone in the fine print of course) yes two returned payment your account is closed automatically with no opportunity to reinstate it.  Please note, my account was in good standing and my minimum balance was paid so the two returned payments are the sole reason my account was closed.
Consumer complaint received 2023-03-23
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (FL)

Fay Servicing LLC on XX/XX/XXXX paid my escrowed Insurance {$7900.00} to a wrong Insurance company. Check was returned to them. In the meantime I did not know this until I called ( on XX/XX/2020 ) to have my insurance cancelled due to selling my property. Was told my insurance expired due to non-payment. Since then Fay Servicing LLC has mailed another check to the correct Insurance company ( although sold the property ) and it was sent back due to the insurance policy had expired AND property Sold. They then re-issued check payable to me ( XXXX XXXX ) and sent overnight to THE INSURANCE CO! Have been following this up since end of XXXX Keep getting the run around. NOW as of XX/XX/2020, I was told the check went out on Friday XX/XX/2020 OVERNIGHT to me BUT they said Overnight can take a WEEK!!!!! I have been chasing my {$7900.00} for 6 weeks!!!! And not once was it put back into my account! I want my money!!! 
Property SOLD on XX/XX/2020. 
Fay Servicing LLC XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Loan # XXXX XXXX XXXX ( Sold property XX/XX/2020 )
Consumer complaint received 2020-04-30
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. (CA)

During the time period of XX/XX/XXXX - XX/XX/XXXX I contacted several companies reporting negative information to review and assess this information. I'm a victim of identity theft and believe these accounts are related to this occurrence. I provided sufficient documentation to justify my position and prove that this information is inaccurate and does not belong to me. These companies have failed to provide any substantial proof of these claims belonging to me. I'm troubled by these actions because despite the removal of the same inaccurate information from the major credit bureaus these companies continue to report as verified. I still do not have not any proof from the creditors certifying their claim.
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

Our home was listed for short sale in XX/XX/2018, and we had an offer within a week. Since then, we have been trying to get approvals from both the first and second trust,  ur they keep asking for the same documents over and over again. We comply, and then they circle back with the same request. Finally, XXXX (the first trust) approved, but PHH (the second trust) continues to drag.There has been a significant lender delay and they are acting in bad faith.
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

CAPITAL ONE BANK NA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-08-20
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. (CA)

The Credit bureaus are reporting erroneous information on my credit reportThis address was linked to my identity theft case and should be removed immediatelyXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I had a problem with a late fee issue which was subsequently resolved. I received no notice of the resolution, so I called Wells Fargo. I was notified that the problem was resolved and I was made an offer to waive the last payment ( XX/XX/XXXX ). In this case, as with the last, I was not informed of any action in the matter. I called Wells Fargo back ( XX/XX/XXXX ) to follow up and I was informed that there was no case opened for the request. However, a case could be, and was opened. 

Since the original enquiry and the time of the follow up call, a payment was not made in anticipation that the final payment would be waived. In the interim, Wells Fargo reported the account delinquent. I feel that this is unfair since the problem originated with Wells Fargo.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX  XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.
Consumer complaint received 2019-08-20
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Action Financial Services, LLC (MN)

First, I received a letter on Saturday XX/XX/2019 from Action Financial Services, LLC. (hereinafter "AFS"), I was then called by AFS on Tuesday, XX/XX/2019 at XXXX XXXX. by XXXX XXXX. First, she explained she was calling about a debt and was immediately asking for personal information i.e. SSN, DOB, and Address. I had to stop her a few times and ask who she was, where she worked and what she was calling about, because she was so pushy about my personal info. After verifying my info, as she spouted it off without asking. She explained that I owed a debt and that they would garnish my wages. I proceeded to verify the debt, in doing so, I explained that I am part of the Department of Education Student Loan Forgiveness payment plan and that these 3 loans should not be sent to collections. She continued to press that regardless, these 3 were being processed or "Serviced" by AFS and did not care to verify that this debt is in the forgiveness program. She then continued to tell me options available to me: Pay it off, Settle and then she hung up on me/phone dropped. I immediately called back from my work phone and cell phone and upon calling the number back, the line does not work, there is no answer.
Consumer complaint received 2020-05-18
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Check City Partnership, LLC (NV)

Check city called from a restricted number, dod not leave a message, and immediately called a family member asking for my contact information. I have already been in contact with them weekly, they have my number and address and have spoken to me recently. Why be deceptive, calling from a blocked number, then to call a family member when they have my correct and current info?
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This complaint is regarding accounts. Per XXXX, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

This debt is unverified and it is not my debt. XXXX has removed this debt on XX/XX/XXXX because it could not be verified. The other credit bureaus have not followed suit. If XXXX could not verify the debt how could the others verify it along with Radius Global? What was the method of verification.
Consumer complaint received 2022-04-08
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. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$2600.00}, XXXX XXXX Balance {$2300.00}, XXXX XXXX  XXXX Balance {$3100.00}, XXXX XXXX XXXXXXXX Balance {$95.00}, XXXX XXXX XXXX Balance {$380.00}.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

I applied to and received a loan from the SBA which approved and deposit into my Chime account. Chime froze my account and refused to release the money. Its is requiring that I submit a number of documents such as my business tax filings and XXXX to verify information that was already considered in my SBA loan. As a result of this illegal activity I have not been able to gain use of the loan while incurring interest.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and W 2 for identification purposes to investigate this complaint. ) I have attached a copy of the payment history for reference showing this account has been paid and there nothing to collect and/or chargeoff. This account needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (OH)

Notice for Proof of Claim Account : CAINE & WEINER COMPANY INC To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I receive a summons from court from Portfolio Recovery Associates XXXX. The company has a very aggressive collection tactics. I do not owe the balance. I did not know of the situation until I was serve a summons. I am asking for this company to stop their collection tactics and their abusive collection practices. This company needs to be placed out of business for their illegal collection practices.