davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
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: Experian Information Solutions Inc. (WA)

In XXXX on 2018 I contacted Experian for fraudulent activity on my account. During the call I followed their recommendation to freeze my credit and reports. They indicated the systems would auto-generate a 'pin ' and it would be postal mailed to me. 

I never received the postal mail. 18 months later, after numerous calls I am not able to request the pin online, or phone call, or email.Instead the ask me to postal mail my social security card, drivers license and utility bill to have them issue me a new pin. A process that will take an unreasonable time ( over 30 days ). 

I have answered all my historical questions for numerous operators and substantiated my identity verbally back some 15 years but the refuse to accept these to issue a new pin. My complaint is they are lacking on any accountability and responsiveness to a consumer and a client complaint. They do not have anyone other than their help desk, no manager or executive is willing to talk to an escalation. Experian acts as though they are unaccountable for the consumer/client to any complaint.
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

XXXX XXXX I went to XXXX XXXX community to put a deposit on a townhouse that is being built and to be completed by XXXX or XX/XX/2019. 
XXXX XXXX Went back to XXXX XXXX to meet XXXX the loan officer from Loan Depot to get pre qualified. I am already pre qualified with my own lender, how ever part of the process to buy a home with XXXX XXXX is to get pre approved by their preferred lender Loan Depot. I filled out the loan info with XXXX. Was told it's good to go. Got a disclosure packet and was told by XXXX that she would send us a link to upload financial documents so we can get our pre qualified letter to the builder to sign docs and get into contract. 
XXXX XXXX After many reminders to XXXX she sent over the link to upload documents and also sent a loan quote. She also sent of a list of debt to be paid down to 30 % ( my debt is 25 % usage which is under 30 % ) XXXX XXXX, I had a family friend become a co borrower to help get the loan. All docs were sent in XXXX XXXX Back and forth emails and text trying to get answers as to if I am pre qualified, finally on XXXX XXXX I get a call from XXXX saying that everything looks good she is going to send the pre qualified letter to XXXX XXXX builder. It took 5 days for XXXX to say we are pre qualified. 
XXXX I go to XXXX XXXX to see the homes one more time and to talk to the office staff. The staff told me they talked to XXXX and they are waiting for the pre qualify letter to start the process to get into contract. I was given a welcome folder and congratulations letter. Later that evening XXXX called and said we don't qualify. We are 4 % over ratio. 
XXXX XXXX I emailed and text XXXX several times asking what the numbers were and what is the 4 % off so I can fix it. No answers XXXX I called XXXX XXXX office staff and told them I can't get any answers from XXXX , they reached out to her she then emailed me a drastic change in numbers, that I have to pay off my debt to XXXX balance, that our co borrower also has to pay hers off to XXXX balance and quoted us the highest interest rate of XXXX and highest PMI of {$870.00}. Things went from paying down credit to 30 % to paying down to zero balance ( side not my XXXX report says I am at 25 % usage which is under 30 % ) and to the highest rate and numbers on the loan.
Consumer complaint received 2023-02-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (WI)

I am writing without the assistance of any third party company. I am writing this complaint from my understanding of the Federal Law that is presented in my XXXX XXXX XXXX. I am the consumer, natural person who extended XXXX XXXX my credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature. In that moment, I created a financial asset pursuant to 12 CFR 360.6 ( 2 ) which is known as a negotiable instrument or promissory note. XXXX XXXX  sold said debt to MIDLAND CREDIT MANAGEMENT XXXX XXXX a third-party debt collector who is in violation pursuant to 16 CFR 433.1 which defines a consumer credit contract as well as the consumer, 16 CFR 433.2 which states NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER., and 16 CFR 433.3 which defines open-end consumer credit contract, open end credit and contract in reference to a consumer credit contract ; MIDLAND CREDIT MANAGEMENT XXXX XXXX is in violation pursuant to federal law. I am aware the pursuant to 12 CFR 226.2 the original negotiable instrument is a credit card account under open end consumer credit plan MIDLAND CREDIT MANAGEMENT XXXX XXXX has used harassment and abusive tactics in attempting to collect alleged debt filing a summons without the proper course of lawful actions, hiring an attorney ( XXXX XXXX XXXX XXXX XXXX who too is in violation pursuant to 15 U.S.C 1692e ( 3 ) false and misleading representations causing anxiety, headaches, less time tending to daily tasks etc and I am unsure of how to resolve these matters, please help!!
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/24 i deposited my irs check for {$2000.00} on my Capital One checking account. I received an email from Capital One saying the check would be processed and available next business day. 

On XX/XX/24 i received an email from Capital One stating that availability of my funds were delayed until XX/XX/24. I also received another email from Capital One saying my deposit was successful and would be available XX/XX/24. 

Later that day i received another email from Capital One stating they delayed the availability of my transaction until XX/XX/24. 

On XX/XX/24 i received an email from Capital One saying they delayed the availability of my transaction until XX/XX/24. 

On XX/XX/24 i called Capital One to ask why i have to wait two months for my money to be available. Basically was told that they have to contact the irs to verify before releasing the funds. 

In the past i've deposited irs checks on my other bank account ( XXXX  XXXX XXXX ) with no issues and it's available within a couple business days. Doesn't make any sense why Capital One needs to hold my funds for two months to verify with the irs.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Army and Air Force Exchange Service (MD)

I have been contacted by this collection agency at least three ( 3 ) times this year in which the agency told me contradictory information and then made excuses for it, was berated by staff, was prey to attempted coercion for collection of personal information an attempted intimidation. The credit card is a military issued credit card that was explained to me be the agency to have different rules then regular credit cards so the actions they were taking were legal according to them. The amount quoted to me as owed to them for collection was not clearly explained even after questions were asked. The amount owed also varied up and down between times of contact and differed from paper bills always. One of the agents I spoke with attempted to berate me for not understanding responsibility and tried to explain how the  government works. This agent also quoted me a very low payoff amount which later changed. Another agent on a different day made excuses for the previous agent stating they were new at their job which is in no way pertinent information. The most recent agent harassed me for at least thirty ( 30 ) minutes trying to coerce me into giving personal information pertaining to my finances that was not directly related to the debt. They also used strong language to express their dissatisfaction with my handling of their tactics. Eventually the agent was so frustrated they hung up on me. I have been actively attempting to settle or erase this debt these past few times speaking with the collection agency however  they purposely seem to be making that proposition difficult.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

I am writing to formally dispute and bring to your attention an issue regarding my student loans and associated debt, which have been erroneously reported on my credit report. My rights have been violated by the inclusion of a debt that I do not owe, and I am seeking resolution through your intervention. 

Upon reviewing my credit report, I discovered that there is a debt listed from the Department of Education/Nelnet pertaining to student loans. However, I vehemently dispute the validity of this debt due to the absence of a promissory note from the school I attended. As there is no promissory note or original instrument of indebtedness available, I hereby request the original instrument of indebtedness associated with these loans. 

Furthermore, if the Department of Education/Nelnet is unable to provide the promissory note or original instrument of indebtedness within the specified time frame, I demand that these loans be removed and disputed immediately. It is imperative to rectify this discrepancy promptly, as I do not owe any money related to these loans. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and ensure that my rights as a consumer are upheld. I appreciate your attention to this dispute and look forward to a prompt resolution. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have never had a contract nor account with the following accounts and they are a result of identity theft and or data breach as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX  3. ) XXXX XXXX  ( XXXX XXXX ) 2 accounts
Consumer complaint received 2019-08-16
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. (IL)

XXXX ; Experian and XXXX are reporting incorrectly a ( 30 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2021-05-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF THE WEST (IA)

On XXXX and XX/XX/XXXX I had received a call from XXXX stating he was from XXXX XXXX XXXX stating that I issued an online check to their client that bounced. They stated the date of the transaction happened on XX/XX/XXXX. I called the bank to check on this claim due to having closed this account years before said date and they could not locate my information or any claims. I asked the guy working with XXXX XXXX XXXX to send me a letter explaining the claim and info on the collections so I can look it over and He said they would not be sending me a letter. Would not let me talk, kept cutting me off saying that they were going to file this and see me in court next week. I tried to explain that I called the bank on XX/XX/XXXX and he got loud with me saying I did not call them because he just got off the phone with them this morning on XX/XX/XXXX and hung up on me.
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I have previously sent LVNV FUNDING a request to validate this debt, for the following account numbers, on XX/XX/2020 XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given LVNV FUNDING 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XXXX/XXXX/2020 Since LVNV FUNDING are still reporting this account on my credit report, LVNV FUNDING are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from LVNV FUNDING by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from LNVN FUNDING within 15 days. LVNV FUNDING should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put LVNV FUNDING company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2022-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have informed the three credit bureaus that I have inquiries that were not permitted by myself. I have filed a fraud report with the FTC ( Report # XXXX ). There are not willing to remove the inquiries from my report and in my opinion are stalling in resolving this issue.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with CREDIT ACCEPTANCE CO Opened XX/XX/2016. I have always made my payments on time yet there was a 30-59 days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX  and XXXX  Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2022-04-06
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. (TX)

I am a victim of identity theft and filed a report with the FTC. 
I have been disputing these fraudulent accounts on my credit report now for a long time. 
These companies have been unable to provide any written contact with my signature and have been unable to validate the debt. 

XXXX XXXXXXXX XXXX / XXXX XXXX CAM {$1000.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX APTS {$180.00} Account number XXXX I have attached a copy of my identify theft report
Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have collection accounts on my XXXX credit reports from XXXX XXXX XXXX in which they documented a XXXX late on my credit reports in XX/XX/2021. Only original creditors can report late payments - I have never entered into any agreements with XXXX XXXX systems, therefore they can not report late payments. These late payments caused my score to go down and are negatively impacting my credit. I disputed these accounts with all three CRAs on XX/XX/2021 and all came back as " updated '' with no removal of the late payment documentations. These late payments are fraudulent, erroneous and incorrect information being reported. I request due to these inaccuracies the accounts be permanently removed from all XXXX reports. Accounts are as follows : XXXX, XXXX
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AK)

Experian Its almost impossible to freeze or unfreeze your credit report with Experian without being forced into signing up for their {$40.00} a month XXXX credit service. 
If I wasnt an advanced computer user I wouldve never figured it out most users I suspect get pushed into signing up unknowingly for their monthly credit watch service. 
I challenge you to download their app and freeze or unfreeze your credit report without having to pay them a monthly fee. 
Im also disturbed that I had to create an account in order to file a complaint with my government against these fraudsters.

I cant believe Im not the one millionth person complaining about Experian they shouldnt even be in business after that giant data breach.

They really are XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have informed the three credit bureaus that I have inquiries that were not permitted by myself. I have filed a fraud report with the FTC ( Report # XXXX ). There are not willing to remove the inquiries from my report and in my opinion are stalling in resolving this issue.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (OR)

I received a paycheck in the amount of {$480.00} from the staffing agency with which I am employed. I went to XXXX ( store # XXXX, located in XXXX, Oregon ) to cash said check, as I had done twice before without incident. 
The company that XXXX uses to " verify '' checks presented declined my check, without explanation. The information provided on the receipt led me to a website, https : //www.askcertegy.com/, which informed me that the decision was final, and no dispute was possible. I was given an option to receive a free copy of my credit report, which is entirely unconnected to the cashing of this payroll check. 
Certegy does not maintain a dispute resolution process. They are not beholden to the individuals whose financial records they demand unfettered access to. They refuse to provide any information regarding their check-cashing criteria to anyone, including the merchants who use their services, or, it seems, even to the United States government.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (DE)

On XX/XX/22 I realized my account at PNC bank was in a negative balance. I went to their branch in XXXX XXXX, to inquire what the problem was. There was maybe XXXX XXXX dollars taken out my account from places I never been to. XXXX eats deliveries and rides to places I don't go to. I complain to the bank they gave me credit but soon took the credits back. I went to the XXXX Police office to file a police report ( case number XXXX ). Bank statement along with the police report were submitted to PNC. which denied my complaint and refused to give me my money back. I contacted your office and submitted bank statements to confirm my complaint. It appears someone was able to get the numbers off of my atm card and order food and rides without my permission. There are over 80 fraudulent charges filed and PNC refuses to give me my money back. It has left me with several negative consequences and hardship. My bank statements have been submitted to your office along with the XXXX XXXX. police department report. My complaint # is XXXX with your bureau. I am hoping your office can help to resolve these matters and get me my money back. This is a easy fine XXXX eats pick up someone with address and delivered food to a address that is not mine. Whoever did this should not be able to get away with fraud and theft.