davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GREAT LAKES (LA)

Back in XXXX I decided to go back to school for XXXX through XXXX University Online. I received my Associates degree in XXXX of XXXX and since then it's been a total nightmare. XXXX College, part of XXXX   Colleges, was a network of for-profit schools charged with systemic fraud by the Consumer Financial Protection Bureau and the Department of Education. 

XXXX left me deeply in debt for a worthless degree. XXXX may have filed for bankruptcy protection, but students can not declare bankruptcy on their loans. I am still liable for my XXXX debts, despite the fact that XXXX broke the law : the school stands accused of false job placement statistics, securities fraud, and the unlawful use of military seals in advertisements. 

It was clear from multiple government actions and investigations, dating from as early as XXXX, that XXXX was rife with deceptive and unfair business practices. Despite this, the Department of Education continued to allow over {$1.00} billion a year to flow to the school.
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Hello, I am trying to trade in my XXXX XXXX XXXX which is sold at a high price and over market value by about XXXX. Capital one refinanced that loan and gave me a lower interest rate, but they forgot about the XXXX, XXXX was charged extra for a vehicle that is now being traded at the high of XXXX with a loan balance of XXXX. 

I was sent marketing that approved me for up to 35,000 per-approved for an expiration date of XX/XX/XXXX, and another one for the end of XX/XX/XXXX. I went to XXXX XXXX in XXXX XXXX XXXX and still have not gotten an approval, because now they are saying it is out of the range. Capital One sent me a denial letter, and also XXXX XXXX is saying that they can not give me a loan on a used car because most dealers will not give a loan on a used car with the equity problems that are with this vehicle. 

The problem started with XXXX on XXXX XXXX across from XXXX XXXX when the vehicle I purchase was a XX/XX/XXXX loaded XXXX and I bout it for over 30,000. The vehicle was fraudulently sold at a price about value and now has me in a bad position for a trade in. I have al of the documentation if you need to see it. I have a warranty and it will expire unless Capital One does something to fix this problem. There are three players in this mess and they are XXXX  on XXXX XXXX, XXXX XXXX , and Capital One. 

I was approved for a loan and denied access after the fact from Capital One who sent me two letters saying that I was pr-approved which is misleading and fraudulent marketing. XXXX XXXX failed to figure out the problem and ran excessive credit inquiries which has impacted my credit score.
Consumer complaint received 2020-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

SANTANDER CONSUMER, has had the amount of {$5700.00} on my credit for the past 10 years, this amount which was supposed to be paid off by the GAP insurance company at the time off my accident. 
The vehicle was a total loss deemed by the insurance company, after 6 months the balance was placed on my credit and when I called to find out why they said ( SANTANDER ) never called the GAP insurance provider to have the balance paid in full. ( which was not my fault ) This has been on my credit for the past ten years, which is past the statue of limitations. 
And the balance keeps going from a collection account, to now back to a OPEN charge off account. 

Also the account is currently showing an incorrect payment date, is has a last payment made of XX/XX/XXXX, but my last payment made was back in XXXX since the accident.
Consumer complaint received 2021-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX accepted payment, in the amount less than owed, in exchange for not reporting negatively on my credit. They told me it could take up to 30 days, but possibly sooner. I asked could it be sooner and was told its possible call us back after it posts. 

Here we are a week after I paid, but I am getting new updates from XXXX that they did not remove the balance but I only updated it. Extending the time they can sue and or report negatively. 

When I called and asked about a department leader to speak to, I was put on hold at XXXX in an attempt to get me to hang up. 

After almost 20 minutes, I got a new operator. Who didnt seem to know what I was talking about at all. 

I only paid to get them to leave me alone. If they arent going to leave me alone. I dont pay a collector to collect. 

How can they take my money, update the money owed, but not remove the debt which l I only paid to remove it. 

Why would I pay to retriever further payment obligations on an expiring debt? 

Exactly. 

The contract was for removal by XX/XX/XXXX. An agent of the company told me that when accepting payment. Now, agents XXXX and XXXX, spoke to today, are stating the earlier they will even contact the credit bureau is XX/XX/XXXX. 

I paid to have it removed by XX/XX/XXXX. If portfolio cant do that, they need to give me my money back or I will just go to the bank, Monday morning, and cancel the payment and never pay them at all. 

Its yall choice. XX/XX/XXXX Im calling XXXX XXXX and never calling, answering, or attempting to pay again. Then, they hung up in my face, while I was writing this, on hold.
Consumer complaint received 2018-02-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

Hello, My loan was refinanced and the title for the car has not been sent to us, which was suppose to happen months ago. I spoke with the branch Manager in the XXXX Mn location and still have not received the total for the XXXX  XXXX XXXX.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (GA)

I sent a letter to Helvey asking for any documents that have with my legal signature stated that this is my debt and the about I owe them. They sent me back a typed up letter they made stated that I owe them monies I have no knowledge of owing. I did not sign or agree to any services with this company.
Consumer complaint received 2018-02-04
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: Onity Group Inc. (VA)

I'm reporting a serious issue with my XXXX XXXXXXXX. Ocwen has continued to report false information to the credit bureau and mishandling my private identifiable information. Each time I have to try to spend weeks collecting data to prove they made a mistake. They have " accidentally '' mailed me someones financial information mixed in with my information, as well as given my information via mail to unauthorized persons. As per, for the third time they recent reported to the credit bureau that I'm made a partial payment XXXX of XX/XX/XXXX. This significantly lowered my score ( evidence attach ). Each time Ocwen makes this mistake they state if will be corrected, but as soon as I know inquire about another lender, Ocwen again response false information to the credit bureau with 30 days of my inquiry. This time Ocwen also reported that I'm in a paying plan currently. This is absolutely false. I make full monthly payments and have not missed or been late on a payment in years. I'm not in a payment plan. I have attached proof that's Ocwen falsely reported to the credit bureau that I making partial payments. It is a federal crime to knowingly report false information. This is the third the Ocwen has done this to my account. Each time I've had to send written notifications to get it fixed. I'm now going to escalate this issue to determine if I can press charges again Ocwen for continuing to make false claims on my account to the credit bureau which effects my ability to change mortgage companies. Ocwen is on purpose violating my right with continually padding my account with negative and false information. I demand my account be fixed to reflect that I have made on-time payments and that I'm not in a partial payment plan. I also demand the Ocwen fix the false reporting they did to the credit bureau for XX/XX/XXXX - XX/XX/XXXX that I'm in a partial payment plan. The false information from Ocwen is negatively impacting my credit score. This is the second time in 8 months that Ocwen has made this mistake three times total. It must be correct immediately. I invoke my right to be notified in writing that the issues have been resolved. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-05
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 (ME)

On XX/XX/XXXX I had a minimum payment due of XXXX. I made the payment on XX/XX/XXXX. In reviewing my account online today I noticed I got charged XXXX on XX/XX/XXXX for a late payment. I don't dispute my payment was late by two days only the fact the payment was withdrawn on the exact date the payment was due. I took a screen shot of my account for proof of the charge on the incorrect day. My statement should have shown the late fee being processed after the due date. I also had a interest charge on a purchase in the amount of XXXX on XX/XX/XXXX that I'm not sure what that is from.In addition, to prevent a future charge because my record shows ontime responsible use and timely payments. I used the option to change my billing date. In reviewing that, It states it can take up two months for this to activate due to one full billing cycle needed for the change. My charge card is for repairing credit, it is a backed card, I also have a XXXX card that is responsibly used. My credit is currently in the average range and my XXXX  card will convert to a regular card after a few more months. I hope to keep doing business with Capital One and with the success of FICO information online for credit building, as well as the Texas Corporation Money Management counseling I received .In addition I did lots of research. But, I'm still learning too. I hope these things brought to your attention will help all of us. Sincerely, XXXX XXXX
Consumer complaint received 2018-02-05
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. (WA)

XXXX  is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with Experian, and XXXX. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

FIFTH THIRD BANK, you recently received my Notice of Rebuttal on XX/XX/2021. 
This is in response to your deceptive letter from a member of your employed staff Named XXXX XXXX  who did not receive my permission to contact me nor view my personal, private and confidential information. Making false claims about " debt elimination schemes '' in an attempt to misrepresent my enforcement of my Federal rights as a Federally protected consumer is known as Material misrepresentation ( FRAUD ). 
As stated in my notice you were previously contacted on XX/XX/XXXX when I demanded an opt out of consumer credit reporting as is my right pursuant to 15 USC 6802 & 6803. You have defaulted on demand and have proven that you are willfully noncompliant with Federal Law protecting consumers, these matters are being well documented and all defaulted notices will become prima facie evidence if further legal action is deemed necessary. I do NOT owe you ANY alleged debts, and I have not borrowed any capital from you which means I do NOT owe you any alleged debts. Further more your claims are unsupported by Affidavits, or any documentary evidence of indebtedness as required pursuant to 15 USC 1666 making all of your claims hearsay. This further supports the facts as I have documented them, expressly the fact that I do NOT owe you any alleged debts as you claim. BE ADVISED, FIFTH THIRD BANK, you have 15 days to comply with my demands listed in the correspondence you received and the correspondence attached to this complaint as you are already in default of the previous notice. There is more than enough evidence to prove your attempts to willful mislead and deceive me through means of material misrepresentation of vital facts that have been purposely omitted by you the financial institution involved in this consumer credit sale/transaction. BE ADVISED, FIFTH THIRD BANK, you have committed several violations of Federal Law which have been well documented and will be used as documentary evidence and prima facie evidence should I be required to pursue legal action in these matters.
Consumer complaint received 2021-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

The company kimball tyree st john went and file a no EXEMPTION for costs without any notice after I disputed the debt as time barred debt. They were very sneaky and deceptive in what they did they filed it this month as I was disputing, they need to quit using questionable deceptive practices to collect funds I don't owe. The debt was given to my ex wife in court being that her and her family incurred the debt, being that they can't reach her they are trying to come after me, bit XXXX have a court order stating that I don't owe it. They need to stop coming after me an reporting it to the credit bureaus.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Equifax XXXX XXXX  Date Opened XXXX Balance XXXX Acct Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$470.00} Inquiries 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 2023-04-10
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. (VA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX CO XXXX Balance Owed XXXX {$540.00} XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-24
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. (TX)

Experian is reporting an alleged account. I have disputed this account on numerous occasions. Experian keep saying that this alleged account has been verified but XXXX  will not send me documentation of the alleged account. A bill is NOT Documentation. Experian is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all the different laws the XXXX  of nunneries of 609 letters and they are continuing to do the same thing. Experian knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}. 
( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit
Consumer complaint received 2023-02-22
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)

Consistently, Experian refuses to add timely positive account information to my credit report. Conversely, they add negative information to my credit report speedily and rigidly.
Consumer complaint received 2024-02-05
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 express my deep concern regarding the unresolved inaccuracies on my personal credit profile. Despite my repeated requests, there has been no satisfactory response from your end. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (MS)

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as 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 My correct address is XXXX XXXX  XXXX XXXX, XXXX XXXX. 
Below are the accounts : XXXX XXXX- {$200.00}. Ashro- {$210.00}. XXXX XXXX- {$280.00}. XXXX XXXX- {$1800.00}. XXXX XXXX- {$1900.00}. XXXXXXXX XXXX- {$4200.00}
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc (CA)

The issue that I'm having with these collector is long and it has been going on for a way longer than this should had, first I tried calling the collector trough phone number ( XXXX ) but then an automatic call recording told me that they're not taking calls at the moment and told me to reach them trough email so they can reach me back, at first I just keep calling at different hours and different dates to see if I could have more success of reaching them but they where still always not available so I decided to contact them by mail and unfortunately up to this date I still haven't had the success of reaching a representative to just pay the balance that the account is listing on my credit report so It stops affecting my credit score.

This is just frustrating because it has been taking me more than a month ( not including past one time call attempts ) to just try to contact the collection agency and pay my account so it stops affecting my credit, Keeping on mind there is nowhere I can go to pay, no phone number to call for a representative and pay, only send email and wait for a response that its actually taking more than what they promised. They just reply to me with what appears to be automatic emails and they don't help me pay the account. They also promised to call me back and they've been having me waiting for a call from them, which is what also frustrates me a lot too.
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

In response to my Complaints this past Spring in connection with the fraudulence arising from my previous landlord 's efforts to extort me and the willful complicity of Bank of America in those efforts, the merchant is now alleging that I owe {$1900.00} on my closed Cash Rewards Card and has forwarded a fraudulent debt in that amount to XXXX XXXX XXXX for collection.