davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX  XXXX/ XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX  XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.
Consumer complaint received 2017-05-22
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. (TX)

I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and   XXXX   has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to keep mysel f protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.
Consumer complaint received 2016-02-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Academy Mortgage Corporation (DC)

I contacted XXXX, a company who provide services to mortgage lenders and mortgage companies, on Monday, XXXX XXXX, XXXX regarding their unauthorized hard hit inquiry on my credit report. XXXX stated that they received authorization on XXXX XXXX, XXXX to pull my credit from Academy Mortgage Corporation. I did not authorize or give my consent for either company to pull my credit. I did not apply for a mortgage with either company.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IN)

I looked on Credit Karma for credit information for me, on that website they list me having XXXX student loans that are active totaling more than {$23000.00}. Because of this misinformation, my credit score went down XXXX points on one credit bureau, XXXX points on another bureau and XXXX points on another!!! My XXXX XXXX XXXX loan was paid in full and consolidated with XXXX federal loan. It shows XXXX as being paid off and as far as XXXX is concerned it is in the process of being forgiven and that loan is for {$12000.00}. It is not delinquent, it is not late, and I have been told I owe no monthly payment on it. I believe there are too many credit agencies and too much misinformation and it is causing people to be destroyed financially!!! No one person can keep up with more than XXXX credit reporting agencies and each one has different information!!!! When is someone going to consolidate these agencies and start regulating them and holding them accountable!!!
Consumer complaint received 2019-02-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I closed my XXXX account in XX/XX/2015 because I moved out of the XXXX. The last bill was paid in full and I was NOT under contract. XXXX claims I owe them {$130.00} but they did not end the service when I requested. As I was living in XXXX and had a XXXX mobile plan, there is NO use on the account for the dates they claim I still had the service. 
My last payment to XXXX was on XX/XX/2015 for {$160.00}. That left my balance at XXXX. I cancelled the service on the same exact day and also moved to XXXX on that day. 

Here is the information for my XXXX account : account number ending in # XXXX
Consumer complaint received 2016-11-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CAVALRY INVESTMENTS, LLC (FL)

As part of a dissolution of marriage, the Court assigned the credit card debt to the former wife. The Bank was advised, but still sold the debt to Calvary, a collection agency. 

They were advised of the document, but filed a lawsuit in the XXXX Judicial Circuit.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (CA)

On Saturday XXXX XXXX, 2016, I tried to make a payment online to my sister 's credit card and this card is Discover Card. The account number ending in XXXX and I tried a couple of times. It kept on saying something like " Sorry we ca n't process your payment. Please try again at a later time ''. In short, I did n't get a confirmation number that the transaction went through. Yesterday XXXX XXXX, 2016, I called Discover Card customer service cause I saw XXXX transactions from my bank account that was in process for the amount of {$250.00} dollars. I wanted them to reverse XXXX of the payment but they kept on saying that they needed to get approval from my sister cause I was not on the account. Today XXXX XXXX, 2016, my sister and I had a three way call and they would not admit that their online had taken my money without letting me know. Instead, they said that on their end they have a confirmation number and this transaction is legitimate. I told XXXX with ID # XXXX that how can you have a confirmation number and I did n't get one. What I had was a screen that said to try again cause their online was having some trouble. All I wanted for XXXX to do was to reverse XXXX of the XXXX {$250.00} dollars back to my account. She said theirs nothing they can do because as far as she is concerned that they did n't have any problem with their system. I asked her, do you have any note that on Saturday XXXX XXXX, 2016 that your internet was having problems taking payments. She said they did n't have any problem with their internet. I told her that I spoke with XXXX with ID # XXXX who confirmed that on Saturday XXXX XXXX, 2016 had some internet problems and was very sorry that this had happened to me. 
My complaint and want to have done is for Discover Card investigated with this internet transaction that was done on Saturday XXXX XXXX, 2016. I told XXXX that this is a fraudulent act that Discover Card done to me because I was never informed that this transaction ever went through and yet my bank was withdrawn twice for the amount of {$250.00}. I never received any confirmation notice that you normally get after the payment have gone through in the internet. Please investigate this internet transaction because I do n't want any other victims experience the same thing what had happened to me with Discover Card. I want Discover Card be liable of this transaction and be hold accountable.
Consumer complaint received 2023-03-16
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: TD BANK US HOLDING COMPANY (IL)

On XX/XX/23, I received a response from TD/Target Red Card. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2.

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA.

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609.

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party.

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.
Consumer complaint received 2022-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

In my previous complaint ( XXXX ) I complained about the mortage being put into forbearance without my knowledge. Wells Fargo responded and acknowledged that only one person is required to make the request. They also acknowledged that I wanted to be removed from the mortgage. In the resolution of my complaint, they stated " The agreement documents were sent to you ( co-borrower ) and only require the signature of ( co-borrower ) since the agreement terms will remove XXXX from the mortgage account when the documents are returned to us, and the terms of the agreement are applied to the account. The agreement will remove XXXX from the mortgage account as a result of the Quit Claim deed we received. '' I also spoke with XXXX XXXX from the XXXX XXXX Executive office. In speaking with her she stated that she spoke with FHA and that removing me from the mortgage was approved by them based upon the circumstances ( I have never paid this mortgage, I haven't lived in the home for 10 years and we both desired for the home to only belong to XXXX XXXX XXXX ). She also stated the process would take 45-60 days from the time they received the loan modification documents from ( the co-borrower ). 

On XX/XX/2022, I called Wells Fargo to determine the status as I had not yet been removed from the mortgage. At that time, I was told that XXXX XXXX was on long term leave. I spoke with XXXX at the Executive Office, who opened a case to review the status. He called me on XX/XX/2022 and advised me that I was given erroneous information and that XXXX XXXX would have to initiate a refinance or an assumption of the mortgage to remove me from liability. He also stated that he did not have any notes from XXXX XXXX regarding her conversation with FHA. I asked for an estimated return date for XXXX XXXX and was told that information could not be provided. 

I relied on the information. I am unable to move forward with a purchase of my own home with a VA Loan because the forbearance is too recent. Wells Fargo should be held liable for the information they provided to me and the co-borrower. No one offered to reach out to FHA to determine if what XXXX XXXX stated could be acted upon. At the very least they need to make whatever efforts are necessary to remove me from the mortgage as they, in writing, made that promise on which I relied.
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (CA)

Called me at work and cellphone threatened me that I need a lawyer and I dont have any idea of debt, said I could go to jail cuz I borrowed money on fraud, was very rude and aggressive
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Re : Cease and Desist From Reporting Information Below To Third-Parties. Consent was not granted to share ( Account information in attached documents ) Please read the information below CAREFULLY and SLOWLY as to not get anything confused!

Thank You! To Whom It May Concern : Pursuant to 15 USC 1681b-Permissible purposes of consumer reports. 
IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 
I, XXXX XXXX never gave Bank of America any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter. 
Pursuant 15 US Code 1692c ( C ) - If a consumer notifies a debt collector [ or any data furnisher ] in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector [ or any data furnisher ] to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except Communication - The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Medium includes : Telephone, a letter in the mail, social media, email and a consumer report. 
Reporting to a consumer reporting agency is VOLUNTARY which means you are using my consumer report as a form of coercion that is keeping me from getting a new bank account.
Consumer complaint received 2016-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (OH)

I have been trying to consolidate my loans for the past 6 months now. My loans are supposed to be with ECMC-they are stating that my loans are in a repurchase phase and that they do n't have them and that they are to be picked up by XXXX XXXX XXXX. I called XXXX XXXX XXXX and they have no record of me whatsoever. I have been denied numerous time for consolidation because ECMC is holding and reporting incorrectly on my loans. They are improperly servicing my loans which is causing me negative reporting on my credit report. I am trying to re-establish repayment of my loans and can not do so because this agency ECMC is incompetent. Please recall me loans from them or have them properly update my loan information so that I can move forward with my financial obligation to repay my loans. They are reporting that I am in Bankruptcy and I have sent over my discharge notice to them as well and they are still incorrectly reporting on my loans.
Consumer complaint received 2015-12-08
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (MI)

Collection company called saying I had a payday loan from several years back, this might be true I went through a rough patch years ago, they had my full name, address, social security number and what bank I dealt with. They threatened criminal actions against me but when I disputed some of their claims they refused to give me the name of the company calling me. The number is XXXX
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, I've been having a hardship with work and through the time of covid 19. I received my stimulus check and went to pay off my credit card yesterday XX/XX/2020. Payment went through and Capitol One charged me fees of {$11.00} internet fee? So I pay my debt off and they punish me again through this terrible time of struggle. 

Please help me with this situation. 

Capitol one. Credit Card Hit with {$11.00} interest fee after paying off whole card.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (GA)

Affirm Inc is alleging I owe a debt I do not. Affirm uses consumer contracts as notes that are receivables that are traded via the stock market for profits. To allege I owe a debt is violation of securities laws by actively trading but not registering the transaction with the SEC and FINRA to reflect who is the true owner. The interest that the security gains each month belongs to me.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, I recieved an email stating someone was added to my wire transfer list and minutes later a transfer was stated for XXXX I immediaty called wells fargo and told them it was not me. They stated a investigation and on XX/XX/XXXX i recieved a letter stating my claim was denied. I called minutes later, they should have canceled the request to wire. Now I have lost XXXX I called right away and lost all my busniess account money to contiune working.Wells Fargo will not help me at all.
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (IL)

I was given a subprime auto loan by Santander with a 24 % interest rate. I am now paying more towards the principal than I am for the car! Santander uses an internal score to approve customers. I did not know about this score and it is misleading to consumers because you are left with thinking that Santander is your only option.
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (WA)

I received a credit card offer in the mail from Wells Fargo Bank, and filled out a online application on XX/XX/20. They called me a few days later and said they needed me to go to a bank branch and show them 2 pieces of mail with my name and address on them and my drivers license, which I have never had anybody ask me to do before. But I went to the branch on XX/XX/20 and talked to XXXX XXXX and he faxed my papers to the credit card center, on XX/XX/20 I got a letter from them saying they would not offer me a credit card because my identity could not be verified. I have a 50 year perfect credit record I have never been turned down for anything. My application # is XXXX.
Consumer complaint received 2016-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (OR)

On XXXX/XXXX/16 I contacted Equifax via telephone to request a formal dispute of an unauthorized credit inquiry into my personal credit report with Equifax. More specifically, on XXXX/XXXX/16 XXXX XXXX performed an UNAUTHORIZED credit inquiry into my credit score/history with Equifax. On XXXX/XXXX/16 I contacted XXXX XXXX regarding this unauthorized credit inquiry, which has adversely affected my credit score. XXXX had no comments so far on this incident. So I immediately contacted Equifax via telephone and requested a formal dispute of that " hard '' inquiry into my personal credit report. Equifax then sent me an email notification stating that my Equifax dispute had been resolved. However that 's simply a copy of my credit report. I was unable to reach Equifax today ( XXXX/XXXX/16 ) in order to resolve this issue immediately. Equifax 's website is also unclear on how to obtain immediate assistance. Equifax has failed to process my request to remove inaccurate information ( i.e. unauthorized inquiry ) on my credit report as I was promised on a phone call with Equifax 's representative on XXXX/XXXX/16. 
Please also let me know if the Consumer Financial Protection Bureau can initiate a separate investigation into this matter against XXXX XXXX or if I must file a separate complaint against them for performing an unauthorized consumer credit inquiry. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WV)

The information has not been updated on my account. My account says that I have a balance of XXXX dollars owed to XXXX on XXXX XXXX XXXX but I have a paper that shows that my balance owed to them is XXXX. My bill has been paid but yet it has not been showed as paid on your balances on my report.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have made numerous attempts sending letters demanding that transunion and XXXX  follow the law and removed several accounts from my credit report. These two bureaus are in violation of 15 USC 1681 section 602, 604, 15 USC 1681c a5, and 1681s-2 a1. This is my last attempt to settle this matter outside of court. If transunion and XXXX  do not follow suit as XXXX has by removing the accounts that i demanded be removed i will be filing a claim against XXXX  and transunion for multiple violations of the laws above. Thats {$1000.00} per violation
Consumer complaint received 2022-08-15
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. (OR)

On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports