davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being considered a total loss. I had a vehicle service plan and GAP coverage through a 3rd party. Capital One received the refund for the service plan and applied this to the balance of the loan prior to receiving the payoff from my insurance company. On XX/XX/XXXX, XXXX, they sent me a letter indicating that the car was paid off. In this letter it indicates that if there were any of these policies that they would be working w/these insurance carriers to determine any refunds and that no action would be required on my part. 
I contacted the GAP provider on XX/XX/XXXX, to determine the status of my GAP refund. The rep w/that company advised me that I was due a refund of {$300.00} and that those funds had been sent to the finance company, Capital One, and that I should contact them to see about the status of my refund. I contacted them right after. Their IVR informed me that the loan was paid off and that the title had been released. I spoke w/a rep who told me that she could see notes in their system dated XX/XX/XXXX that their 'back office ' was working on the refund and that their turn around time is 35 days. She was unable to explain why it would take 35 days to issue the refund. I was then transferred to a resolution specialist who also was unable to explain why it would take that long other than to ensure that the status of the loan didn't change. I explained that the status of the loan wasn't able to be changed as the car was a total loss, the loan had been paid off and the title released. They have record of all of this.

I firmly believe that Capital One is holding these funds in an interest bearing account until the last moment so that they can collect money that is not due to them.

There are regulations in the mortgage industry in which a mortgage servicer has 15 calendar days to have a refund back into a borrower escrow account upon the cancellation of a lender placed insurance policy. There should be a similar requirement for an auto finance company to issue a refund in a timely manner. 35 days is anything but timely. Should I have not made my car payment for 35 days, I would have been assessed late fees and a negative report to the credit bureaus.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

To Whom It May Concern XX/XX/year> Referencing account : LVNV/CAPONE Your company placed a collection on my credit report which is in violation of the Privacy Act. You are not suppose to disclose a record contained in a system of records unless the individual to whom the record pertains gives prior written consent to the disclosure. 

You must do a Consumer Investigative Report according to US 15 1681. You will abide by 1006.34 for the Notice for Validation of Debts. Information that you send for validation of this debt is to be conspicuous and clear. Also you must include Statement Required by 1006.34 validating all required information that complies with Consumer Law. 

Debt collectors name and the mailing address at which the debt collector accepts Disputes and requests for original-creditor information. 
The consumers name and mailing address. 
If the debt collector is collecting debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. 
The account number, if any associated with the debt on the itemization date or a truncated version of that number. 
The name of the creditor to him the debt currently is owed. 
The itemization date. 
The amount of the debt on the itemization date. 
An itemization of the current amount of the debt reflecting interest fees, payments and credits since the itemization date. 
The current amount of the debt. 
License to debt collect in the state of Michigan with the valid License information attached to your Report. 


You have XXXX  days upon receiving this letter to respond lawfully. I will not hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and the CFPB. During the time of all collection activity by you must cease and desist. During the validation period, if any action is taken that could be considered detrimental to any of my credit reports, I will consult an attorney and consider legal action. 

If your offices fail to respond to this request within XXXX  days from the date of your receipts, all references to this account must be deleted from my credit file and a copy of such deletion must be sent to me immediately. I formally request that you and your representatives do not contact me by telephone, at my home, email, or my place of employment. If your offices attempt telephone communication with me, including but not limited, computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will instruct my attorney to proceed with legal action. All future communication with me just be in writing and sent to address mentioned in this letter. This letter is an attempt to correct your records and any information obtained should be used for that purpose only. 

CC. XXXX XXXX XXXX Attorney General Consumer Financial Protection Bureau XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i XXXX XXXX checked my credit report and i noticed some fraudulent an inaccurant accounts on my credit.i then proceeded to reach out to the credit reporting agencies for remedy the situtation but would not help me correct these fraudulent an inaccurant accounts.
Consumer complaint received 2021-07-16
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. (CA)

Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In XX/XX/XXXX, we had a flood in XXXX XXXX. Over 20,000 homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.
Consumer complaint received 2021-03-04
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)

My students loans were paid in full & were never late. XXXX continues to report my students loans incorrectly in the credit bureaus. They never reply to my letters neither to my attorneys. They dont have a phone number either. They dont care about anything. They are very difficult to communicate. I have to go this route as my last resource. The last time they were trying to communicate with me was to offer a program that cost 1000s of dollars. According to them IT was going to help me to complete my student loan forbearance etc. They were very upset because I didnt pay them thousands of dollars to enroll in their program in which none of these fees were to be applied into my loan. They just wanted the money to complete the forbearance which is a simple process anyone can do.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NY)

This XXXX Gold card was opened on XX/XX/XXXX ' i started to have financial hardships starting XX/XX/XXXX ' my account was closed onXX/XX/XXXX ' i had a close relative pass away and i was helping my family take care of bills etc ... So that started to put me behind on payments and with XXXX Gold you must clear of balances in full at the end of the month. I informed them of my hardships and they told me as long as i cleared of the balance they would not close or report my hardship i agreed and paid off the balance in the amount of $ XXXX and my card was closed and reported. I'm working on clearing up all negative marks because of my financial hardship at that time and i would truly appreciate if this could be taken off so i can have a clean start again. Please advise
Consumer complaint received 2022-10-07
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$610.00}
Consumer complaint received 2024-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (VA)

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

I called on XX/XX/25 to get a refund under the CARES act for a paid in full loan, and was told it would take 7-10 days for the balance to reflect my refund and up to 6 weeks to actually receive the money.

At the 4 week mark I had not seen an updated balance or any refund. So I called to confirm that they had processed my refund and the agent I spoke with said everything was on track and processing fine. 

Today, XXXX, is the 6 week mark and I called to check because I still see no updated balance and have not received funds. I was told that my request wasn't processed on the XXXX but rather the XXXX of XXXX and that it was going to take at least 8 weeks to update the balance and potentially even longer to see the refund. 

I need this refund badly and I am very frustrated with the changing information. I don't have faith that Aidvantage will uphold the new timeline and would at least like to see my balance reflected that my refund will be processed. 

I understand there has been a lot of volume of these types of requests, but having called exactly 6 weeks ago and seeing absolutely no movement after being told 7-10 business days leaves me incredibly dejected in the process.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (ME)

Jefferson capital syst has filed with credit reporting agencies that I owe a debt to XXXX  that is been charged off and is older then 10yrs it 13 years old. XXXX has already reported it and wrote it off. Jefferson bought the debt and is lying about when I opened and stop paying. They claim it was in XXXX when infact the initial account was opened in XXXX and I stopped paying in XXXX then went into collections in XXXX. They refuse to remove or admit they are lying it's fruad plain and simple fraud
Consumer complaint received 2023-01-27
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. (IA)

The following accounts are incorrect, and they are adversely affecting my livelihood. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

I opened a 12 month CD with XXXX  XXXX  ( Webster Bank ). It matured XX/XX/2024. I've called almost every day to try to get the money transferred so that I have access to the money however I keep getting the run around. I even called XX/XX/2024 via secure message to make sure I had instructions to stop the renewal when it comes due. I've done everything I've been asked in a timely manner and still can't get access to my money. If the bank can't get me my money in a responsible timely manner, they shouldn't be able to transact for consumers. I've asked for escalation and had XXXX success. Today, I received emails stating the XXXX has renewed.
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (MI)

I have unauthorized inquiries on my credit report that I didnt approve or authorize and I would like them removed immediately. The inquiries are from the from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-03-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I had the unfortunate situation where the merchant charged me {$950.00} for the XXXX XXXX. They utilized my XXXX XXXX from USAA that advised that if I didn't give them permission to use the card then it is considered fraud and per the terms of XXXX XXXX themselves has the area which shows it as a fraudulent transaction.

Please see the area below : Thieves may acquire records containing your personal information and/or account information from intercepted or discarded financial statements, payroll stubs, or other records sent to you or from third parties with whom you interact in your normal course of business where such information is disclosed.

My XXXX XXXX was on the XXXX   Webpage. The merchant in XXXX made the charge without my permission and I contacted them as a email came through to me. They advised me it was in error and it would be cancelled.

USAA had me completed the required Fraud forms and submit them and after many months came back with a non written response stating that I gave them permission to use my card. I firmly denied it and they insisted and then went into a personal matter I told them about my health. ( Per their request ) The USAA representative sided with the XXXX XXXX with no proof to back their position. They do not have a signature and they have my sworn statement that I contacted them in the window of cancellation with no charge if the employee hit a button during the call. I expected a company with a reputation that was built by XXXX  would not be soiled by lies and fraud.

I have requested all proof with signatures that show that I made the transaction. Additionally, the hotel is not admitting to calls and stating that I needed cancellation numbers which they said were not needed at this time.
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Union Adjustment Company, Inc. (CA)

this matter with the collection company ( union adjustment co. XXXX XXXX XXXX, XXXX ca XXXX ), was dismissed in superior court of calf. on XX/XX/2014, case # XXXX. the company refuses to accept the court order and continues it's actions. copy of court order to be faxed to XXXX
Consumer complaint received 2017-08-27
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)

TransUnion Closed the disputes as valid and failed to remove the accounts that were fraudulent and they claimed they verified the accounts and provided me no such proof. This is by law a violation. I 'm attaching the documents that they have not responded to timely and are in violation of the law and I will be pursuing lawsuits unless they remove the accounts.
Consumer complaint received 2023-04-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Georgia Student Finance Authority (GA)

I have been falsely reported by the student loan company, Georgia Student Finance, as owing {$4000.00}. Despite my attempts to resolve the issue, the company has continued to reset the account this year and refuses to correct their records. I reached out to my university 's financial aid department on XX/XX/2022 to confirm that the funds of {$4000.00} were sent back, and they confirmed that all funds were indeed sent back to Georgia Student Finance. However, when I contacted GSF, they lied and denied that the funds were returned, even though they were. I have been unable to resolve this issue with the company and am considering legal action to protect my rights and seek compensation for any harm that I have suffered
Consumer complaint received 2020-08-29
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: Nelnet, Inc. (TN)

I have a loan with US DEPT ED, USDOE/XXXX, and US DEPT. OF EDUCATIO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX and DEPT ED, USDOE/XXXX, and US DEPT. OF EDUCATIO with no successful resolution. XXXX   and XXXX are only reporting me late. There was definitely an error on their part. I was never late.