davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

First, I want to thank CapitalOne for resolving the previous issue with the credit line semi-efficiently, it 's just unfortunate do n't provide for such resolutions without involving the CFPB ( ca n't just email CapOne ) ... Unfortunately now have another issue but this time a slightly bigger issue. We tried to file a dispute online and the system was down, it was down for a week or so as we continued to try to no avail. We called and after several questions, were told to call back in a couple hours because the system was down ( this compared to, 'can we call you back once our systems are back up and running? ). I think companies are confused in thinking that consumers wake up seeking things to do so they are happy to spend half a day trying to resolve something that should take a simple email. I deal with things at odd hours and during those hours, really do n't care to discuss the issues on the phone ... 

So now via this complaint, CapOne needs to process the dispute we have been trying to submit. It 's for the purchase XXXX XXXX to XXXX for {$120.00}. Yes, we tried resolving this through XXXX and also through XXXX. Please also understand that we use our credit card with XXXX versus simply drafting from our account precisely for this protection that it affords ( we do n't need to buy using credit ). For the timeline and why taken so long which is part of the issue. Bought an item that shipped from XXXX so took a month to get to us so that takes us to midXXXX. Immediately installed it so within 24 hours of receiving it notified the seller that there appeared to be a problem ( it was n't completely dead, just seemingly not working right ). After that communication started I think in hindsight the seller began intentionally delaying the communications. Most every communication I had to follow back up and were given excuses like he was in the hospital, he had to wait several days for the XXXX factory to response, then XXXX XXXX XXXX ... which means another month ticked by and in the end, which by this time the unit completely failed, but the seller stated he did n't believe there was a problem and offered me {$20.00} ( {$20.00} for a {$130.00} unit that at that point was dead, obviously not a equitable resolution ). So at that point contacted XXXX who essentially said too much time had gone by even though they could clearly see the communications I detailed above ( the communications were a part of their messaging system ). So then contacted XXXX and also no resolution. All of that took a few weeks and then the issues trying to get this submitted with CapOne and here we are. Here I am also with a new heater I purchased which CapOne can find that charge a few weeks ago ( another XXXX for around {$140.00} ). 

So that is basically all of the info but if CapOne needs more, please email me as they did with the other issue. Of course they did n't respond after I responded and continued to try to call but clearly they have the ability to email which to me is more efficient.
Consumer complaint received 2015-08-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I recently sold my car in a private sale. The seller issued a certified check to Capital One which was overnighted and received by Capital One the day after the sale. After several days, my payoff did not post and I contact Capital One to determine what issues there may have been. I was advised sometimes processing can take up to XXXX business days. It has now been XXXX days since Capital One signed for my check and no payoff has posted. Capital One has advised that they can not find the check in their facility. They want me to contact the buyer, have them place a stop payment on the check and reissue the check, however, they will not reimburse a XXXX party for this hassle. Capital One has basically said although they signed for a check that they lost, they want the buyer and me to incur the costs of replacing the check. The level of incompetence is astounding. At this point, I can pretty much tell the Capital One representative ( s ), and mind you there have been MANY, exactly what they will say when " researching '' the issue. They say things like, '' once the check clears, send us a front and back copy and we can process the payment ''. This would be a solution to the problem except for the fact that the bank ca n't issue copies of checks that have n't been cashed. At this point, I am forced to wait another XXXX business days, which is five actual days for them to do more " in-depth research '' regarding the location of the check. Call me crazy, but what was the team researching for the past week and a half?
Consumer complaint received 2017-10-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX is reporting information on my credit report that is not accurate in regards to what they are reporting for XXXX XXXX XXXX XXXX XXXX XXXX. I have tried via certified mail as well as on the phone to get them to delete the incorrect information yet they choose to willfully neglect this situation. 

I used the XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX for the XXXX XXXX XXXX XXXX  which was on XXXX XXXX, XXXX. They told us we needed to pay {$1500.00} prior to the XXXX and they would take whatever the insurance paid towards the procedure. We paid the {$1500.00} PRIOR to XXXX XXXX, XXXX yet they are INNACURATELY reporting that the payment was made on XXXX XXXX, XXXX and a {$25.00} payment made on XXXX XXXX, XXXX. NO PAYMENT WAS EVER MADE AFTER HIS BIRTH BECAUSE EVERYTHING WAS PAID IN FULL! 

I contacted the billing department on numerous occasions and spoke with XXXX and XXXX, the office manager. I told them they were reporting inaccurate information and they said they ca n't change a statement that was already printed and continue to report this innacurate information to the credit bureaus. They have violated the Fair Credit Reporting Act and The Fair Debt Collection Practices Act numerous times despite trying to resolve this and get them to report the correct information. 

I would prefer to solve this amicably and have them remove this from my credit report as it is inaccurate, a violation of The Fair Credit Reporting Act, The FDCPA and also over 7 years old as allowed by the credit bureaus. If they refuse to remove this I will be forced to take legal action in the XXXX Judicial Court In and For XXXX XXXX XXXX. 

I thank you in advance for your help and cooperation and look forward to an amicable resolution. 

Best regards, XXXX XXXX
Consumer complaint received 2017-10-09
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. (NC)

I have a car loan with XXXX XXXX XXXX XXXX XXXX XXXX. They are reporting my payments late. I am current on my account. They have me as 60 days late on Equifax and I have called XXXX about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GULF COAST COLLECTION BUREAU, INC. (TX)

I received a collection notice several months ago from Gulf Coast Collection Bureau about a debt that originated in Florida, a state I do not live in, and I responded to the collection letter advising the collection agency the debt is not mine and I provided identity theft documentation and requested Gulf Coast Collection Bureau to Cease and Desist. Since then I have received one more collection notices demanding payment for the debt I do not owe. I responded and sent it via certified mail with anther copy of identity theft documents. I recently received another letter from this agency AGAIN demanding payment or a copy of identity theft documents. I have responded to this agency twice with the necessary documents for them to Cease and Desist, yet they continue their collection efforts.
Consumer complaint received 2017-05-20
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (GA)

XXXX  Alumni of  XXXX   XXXX  seeking guidance on how to get help. Owing more than {$30000.00} in student loans themselves, plus an additional {$20000.00} in additional fees totals more than {$50000.00} in debt. I spoke with financial aid on multiple occasions trying to find other options to pay for school, was misled on every instance. I feel as though the financial aid that I received was pressured upon me with little to no information. I am now a parent, struggling to support my family in a field that is not related to my major what so ever, as I am unable to find a job with my degree from this school. I have tried to seek help with repayment programs, but every possible option leaves me unable to provide for my family as the payments are more than I could possibly afford, roughly {$320.00} a month. The IRS has taken my entire tax refund the past two years, adding up to over {$3000.00} applying them to my student loan which is in default. I am currently making monthly payments of {$5.00} to start my process, and have been for the past 6 months to try to be able to avoid the IRS taking my entire refund this year. This was unsuccessful and it seems as though I wont see a refund for a very long time. Please help, I have no idea where to turn and the institutions set in place to help me with repayment have not provided me with any other information, even when asked for, to help my situation. I paid {$930.00} in student loan interest in   XXXX  , alone, and do n't even get me started on my c redit score ... I need help ... fast.    Thank you for your time and for your efforts.
Consumer complaint received 2017-10-09
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: World Omni Financial Corp. (NC)

I have a car loan with XXXX XXXX XXXX AKA World Omni. They are reporting my payments late. I am current on my account. They have me as 60 days late on XXXX and I have called XXXX   about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2017-10-09
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. (FL)

To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for XXXX credit, insurance, employment or other services XXXX with your company. This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Sincerely, XXXX XXXX
Consumer complaint received 2017-10-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After researching this issue, I have found that this practice is a LEGAL practice. However, I am submitting my complaint, because it is not an ETHICAL practice.
I received a refund check from two different places. One is from my XXXX XXXX XXXX XXXX University for {$3600.00} and one refund from XXXX XXXX XXXX XXXX for {$10.00}. 
XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX However, both checks were issued by Bank of America. I went to my local Bank of America to cash the checks. ( I wanted to cash the checks because, I do not have a bank account, only a prepaid card ). Thus, I would have to cash the check and deposit the money on my pre paid card. Bank of America charges {$8.00} TO CASH A CHECK IF YOU ARE NOT AN ACCOUNT HOLDER. I feel that this is unfair and unethical. Although it is legal, and the banks have the right to do this. It is unethical because the bank is essentially requiring a fee be paid to fulfill their own note! They are able to look up the account holder who issued the check and determine that the funds are available and issued to said recipient, but want to charge this ridiculous fee. for what??? 
Of course, I did not mind cashing the large check. However, to cash the {$10.00} refund, then I would only get {$2.00} back! Banks and financial institutions are supposed to assist the consumer to responsibly manage money, and avoid reckless spending. Yet, these same institutions IRRESPPONSIBLY APPLY UNNESSARY AND OPPRESIVE FEES back to the consumer. I am glad that some intuitions are taking the higher road.  Banks such as XXXX and XXXX XXXX do not charge these fees, or have very low check cashing fees. I have attached a copy of the checks for review.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Working on HSBC re-fin. Ask us to buy additional XXXX insurance to cover further improvements and betterments that DO NOT even exist. 
First, according to XXXX rule, XXXX does not require XXXX insurance when master EOI is covered all. Our master EOI confirmed the developer had the CC & Rs written as such so that the XXXX requirement would be waived by lenders when first selling the units. Master EOI confirmed upgrades, betterments and improvements provided by the developer to the original unit owner are covered by the XXXX per CC & Rs. As I noted below, developer had CC & Rs drafted as such to waive the XXXX requirement of lenders for the first unit owners. Any further upgrades, betterments & improvements that may be done - ie. later by unit owner - are NOT covered. HSBC underwriter asked us to provide the CC & R statement and we did and now HSBC underwriter ignored this CC & R policy. 
There is no further improvement and betterments in our property. Hence, there is no reason to buy XXXX policy to insure improvements and betterments that DO NOT even exist. I spoke to the loan processor and HSBC loan processor argues their policy to cover " FUTURE improvements and betterments. '' I believe the XXXX policy is covered the current items not future items or any non-existing items. 
Note : HSBC has settlement in Massachusetts with Homeowners - Once a homeowner shows proof he has other insurance coverage on his house, the force-placed insurance should be removed.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (TX)

I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts- XXXX  # XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-01-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler is continuing to sue people in new jersey. 
XXXX Plaintiff : XXXX XXXX XXXX XXXX Pressler and Pressler Defendant : XXXX XXXX The credit card debt is already charged off by the bank. This charged off debt is being sold to third party. 

Subrogation will not be allowed to a third person who without any obligation to do so pays an indebtedness and this rule is fully applicable to payments of an indebtedness secured by a mortgage. '' ( for debt collectors ) also see title 15 usc 1691 I ( federal debt collectors protection act ) which says " nothing in this title ( fdcpa ) shall be construed to authorize the bringing of legal action by debt collectors. '' When a debt collector misrepresents that it is a subrogee ( has the right of subrogation like an insurance company ) it is actionable ( see federal case XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

The credit card company has already been paid by insurance for the charged off debt. The companies like XXXX XXXX XXXX is paying pennies on a dollar for the charged off debt and harassing people who are already in financial trouble. 

1. Plaintiff admits voluntarily purchasing the alleged account causing the Plaintiff 's damages to its own self. Scienti et volenti non fit injuria - " An injury is not done to one who knows and wills it. '' 2. The defendant reserves the right to plead other affirmative defenses that may become applicable and or available at a later time. 

3. The defendant reserves the right to submit counterclaims that may become applicable and/or available at a later time. 

The defendant requests this case be dismissed with prejudice along with any further relief the Consumer Financial Protection Bureau and XXXX deems just and proper. 


This is fraud and needs to stop. Please help. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

The Equifax credit report is WRONG! My name is wrong, XXXX of the addresses is wrong ... Part of the report 's information is mine and the rest is someone else 's. I believe the Equifax mixed a portion of my information with a portion of another guys ' ... When I try to file dispute they keep telling me my information is wrong ... Of course it will be " wrong '' because they got my information wrong in the XXXX place. I have no other ways to dispute this but to file this complaint
Consumer complaint received 2016-09-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: FORD MOTOR CREDIT CO. (NC)

My husband and I purchase a vehicle finance by Ford Motor Credit in XX/XX/XXXX the vehicle was repossessed by Ford in XX/XX/XXXX for non payment at the time my daughter was ill and because of the care and treatment for her we were not able to meet our obligations for paying the vehicle on time as such we fell behind on payments and the vehicle was taken we were not able to meet the back payment to get the vehicle back the vehicle was sold for {$6000.00} at the time we were balance on the loan XXXX. Ford sent a letter to collect the balance of over {$6000.00} which we were not able to pay. The account was taken over to collection agency which filed a judgement against us in XX/XX/XXXX the first judgement lasted 10 yrs and was again renewed for another 10yrs in XX/XX/XXXX, as a result of the judgement and the repossession we have been unable to finance anything on credit at normal interest rate we have since been able to finance vehicle at buy here pay here and the interest rate as high as 30 percent. We have suffered the shame of having the vehicle repossessed and our credit ruined for the last 11 years. This past week we receive a execution order from our local sherif office to seize our assets when I contacted the office I was advice t make arrangement can be make payment on the debt my husband and I are unable to take on any more expenses we are still recovering from debt of hospitalization of my daughter, my husband loosing his job in XX/XX/XXXX I do n't understand how Ford Motor Company was provided federal bail out at the financial crisis but someone like my husband and I can not be forgiven for this debt
Consumer complaint received 2017-05-23
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: EQUIFAX, INC. (FL)

I have disputed multiple  XXXX   XXXX  accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Consumer complaint received 2015-08-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (CA)

For seven years I have received periodic calls at my work office number from " National Credit Adjusters. '' Their number is XXXX. They say they are tying to reach someone named " XXXX XXXX. '' I have explained to them for the last seven years that ( 1 ) I 'm not XXXX XXXX ; XXXX 2 ) there is no one in our company named XXXX XXXX ; and XXXX 3 ) I do n't know anyone named XXXX XXXX. 

I would greatly appreciate it if you would get these XXXX to stop calling me.