davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One, like most other credit card issuers, offers promotional ( often 0 % ) rates, which expire, of course, often in 12 months. However, other than their initial offer notice, Capital One DOES NOT DISCLOSE the expiration date of the offer on their mailed statements NOR online. I have enclosed my online " chat '' with XXXX representatives, who say they are " working '' on it, but declined to give even a target date to disclose this key piece of information. I find this self-serving ( to earn interest based on the forgetfulness and short term thinking of most of us consumers. The disclosure & reminder should be available, & repeatedly provided, by regulation. Thank you.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Mortgage Servicer : Community Loan Servicing Issue : Mortgage Paid XX/XX/2021 and Lien hasnt been released until XX/XX/2021 I need to close on my property on XX/XX/2021 and I wont be able to.

Community Loan Servicing has not responded well to my requests and is inapt to understand the urgency.
Consumer complaint received 2020-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2016-09-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

purchased a vehicle in XXXX of XXXX lost job in 2010 filed chapter XXXX the chapter XXXX got dismissed vehicle was totaled in XXXX the paperwork provided to me by capital one shows a loan balance of {$8100.00}. Capital One is reporting to the bureaus charge off of {$18000.00} I have asked repeatedly for documentation to be provided to me reflecting how this loan has come to an outstanding balance of {$18000.00} on one can provide me with that information
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I got a copy of my credit report and asked the Transunion and XXXX to do an investigation to make sure everything was complete accurate according to 15 USC 1681i. 

I waited over 30 days and have not had a response from them. Here are my tracking numbers ; Transunion is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 and XXXX is XXXX XXXX XXXX XXXX XXXX, it was delivered XX/XX/23 These credit bureaus are holding me back from expanding and growing my business. It's very frustrating because these credit bureaus are not following the law.
Consumer complaint received 2016-05-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (FL)

I have received XXXX a letter and repeated phone calls from NRA Group , LLC. I gave them a courtesy call after the letter to explain they have the wrong person. They indicated they would take me off the list. Since I have received at least XXXX additional calls. I consider this harassment.
Consumer complaint received 2016-04-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I went to purchase a car on XXXX/XXXX/2016. I gave the dealer permission to submit mine and my co signers credit application to XXXX finance companies. They submitted our applications to XXXX finance companies which was 6+ more than I authorized. We signed a contract that day to purchase a car. The next day they sent our credit application to another finance company after I had already made a purchase. Fast forward to XXXX/XXXX/2016 and they have sent our credit app to XXXX finance companies today without authorization and after we have already purchased a car. They are steadily adding credit inquiries to our reports without our permission.
Consumer complaint received 2016-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (FL)

I took out a Federal Student Loan when I was in college ( XXXX ). The total amount of the loan was for {$16000.00}. Since XXXX, I have paid them {$9100.00}. My current outstanding balance is {$16000.00} and the " payoff '' balance is {$16000.00}. So after paying over {$9000.00}, I have only lowered the balance by about {$900.00}. 

I could n't figure out how this was possible, until I did some research about this company. Apparently, they reduce the amount of your payment that goes towards principal based on what day of the month you pay ( if you pay on the XXXX, a higher percentage goes towards principal than if you pay on the XXXX ). I would have happily set up an auto-pay for the XXXX of every month, however this company does not give you an option for auto-pay. This was never explained to me, and apparently was n't explained to thousands of other students that have written complaints about this company online. Several lawsuits have been attempted towards this company, but they have been able to escape them due to their arbitration clause. This company has an F rating on the XXXX website and is not accredited ( XXXX ). This company is intentionally deceptive, does not explain that your payment 's principal/interest varies throughout the month, does not allow you to set up auto-pay, and intentionally delays pending payments to prevent you from paying off your principal, and has thousands of complaints. 

It is extremely upsetting that the Federal Government would sell my loan to such an awful company. I would like to figure out how to either file an arbitration suit against this company, or have my outstanding balance reduced to the fair amount. 

Please let me know if you can assist with this matter.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This letter is a formal complaint that this Company has reported inaccurate, unverified, unproven and untrue credit Information to the credit bureaus. Federal laws require furnisher 's of Information to report accurate credit Information to the Credit bureaus and in this case you have failed to do so. Every step must be taken to assure the Information reported is completely accurate, proven verified and correct. I have been disputing the below account for the last 8 Months, and never ever have I received any proof from Lending club regarding this alleged debt below : XXXX  XXXX XXXX Account number XXXX - UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. 
THE ADDRESS ASSOCIATED WITH THIS ACCOUNT IS NOT MINE AND DOES NOT MATCH ANY PERSONAL ADDRESS INFORMATION ON ANY OF MY CREDIT REPORTS. 
This inaccurate Information must be deleted from my credit file immediately, please contact the credit agencies you have reported it to and remove this misleading information from my credit file, because I never received a copy of any contract from your Company bearing my personal signature, and because the Address you are reporting associated with this account does not match any of my personal addresses on my credit report. I reserve the right to sue your Company for violations of my Consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. Kind regards, XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Last month, I settled XXXX collection accounts that were since removed from my report. The settlements were supposed to be factored in and my credit score was due to increase as a result of the settlements. I have filed disputes with Equifax and XXXX XXXX and haven't received any updates. It's also very difficult to get in touch with anyone at either company to explain why the accounts were simply removed and not factored in as paid accounts. Instead of updating my accounts with the paid, settled accounts, a new false account was added to my report which reduced my credit score by XXXX points. This is a report that I also disputed right away because the debt was originally XXXX in my bankruptcy. Attempts to collect this debt have been made before but this is the most recent attempt to add this information to my report. I am trying to raise my score in order to purchase a home but this false reporting and non reporting is a detriment.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (CA)

The company did not provide all of my mortgage statements from my last complaint # XXXX. I made payments to Selene Finance as far back as XX/XX/XXXX to the present XX/XX/XXXX. I would like all of my mortgage statements sent to me. We never received one statement. Our XXXX requested multiple times by voice and email that the statements be sent to my home address. I would like all statements sent to my home address.
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NE)

I have XXXX dollars in a Venmo account in the Venmo balance actually and they have froze my account 2 times within XXXX this last time haven't heard anything from them and it's going on 10 days I've called multiple times and submitted claims after claims and still is suspended gave them my info and still nothing.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX has been paid and purchased by another lender. I have tried for a very long time to dispute this account from my credit report because this account was sold to another creditor and is paid in full. I am no longer responsible for this account and by law it should be removed from my credit report.
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Clark County Collection Service (NV)

I have requested these XXXX accounts be validated and was told that they did not have to since it was not requested in the first 30 days. I never received notice at any point that I owed anyone any money. I have disputed this with the bureaus several times and spoke to this company directly. I am getting the run around and there is nothing that indicates this is mine. I want it off my credit report this is absolutely illegal what they are trying to do. I want a letter from them indicating they are deleting any reference to the XXXX accounts XXXX & XXXX.
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC (FL)

XX/XX/2022 AMOUNT OF {$920.00}. I XXXX XXXX XXXX XXXX have disputed this with the Bureaus and got back a verified letter stating the information is accuarte. However that is inaccurate since my legal name is said above and the name attached to this account is not mine. I am disputing this for a second time stating the information is incorrect and according to the FCRA when an item is in accurate and can not be verified is must be deleted.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion REFUSES to remove the name XXXX XXXX XXXX from my Credit report. This is NOT my name. I have submitted documentation to TransUnion showing that my true legal name is XXXX XXXX XXXX. I also use XXXX XXXX and XXXX XXXX XXXX, but have NEVER used the name XXXX XXXX XXXX. I want this removed from my Credit Report. Their failure to remove what they know is incorrect personal information is a gross abuse of me as a consumer. I mailed a hard copy of my Wisconsin Drivers License and my U.S. Passport, but they continue to use this name even though they are well-aware this is not my name.
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MN)

I lost my job XX/XX/XXXX and requested assistance for loan forgiveness Net Credit - LOC Account # XXXX Due Date : XX/XX/XXXX chg to XX/XX/XXXX every other XXXX Customer Support : ( XXXX ) XXXX Loan Processing : ( XXXX ) XXXX Collections : ( XXXX ) XXXX NetCredit XXXX XXXX XXXX XXXX, TX XXXX ''
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OH)

Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX I wrote Shellpoint by USPS on XXXX/XXXX/XXXX about a lower APR on the XXXX XXXX XXXX property and they called me, but did not offer a lower rate. I wrote them again on XXXX/XXXX/XXXX about correcting the maturity date on the same property and received no phone or written reply : There has been an error in the maturity date of 30 years from XXXX of my two first mortgages. I live at XXXX XXXX and my son lives at XXXX XXXX. Please send me the following information for each of the two loans ( XXXX XXXX XXXX XXXX, OH XXXX account # XXXX and XXXX XXXX XXXX XXXX, Oh XXXX account # XXXX ) : The house my son lives in, account # XXXX, still has the original APR rate from the origination XXXX date and never received H.A.R.M. Since the terms and monthly payments did not change, the maturity date of XXXX should not have changed either. Why is the maturity date XXXX and I have already paid 11 years on this loan? 
The house I live in, account # XXXX, received a new APR through H.A.R.M. and the monthly payments did change. I thought the maturity date would be XXXX and not XXXX since I had already paid a significant amount on the mortgage since XXXX. 
I have been retired since XXXX. I am XXXX years old and my mortgages have the sharecropper effect of never being paid off. I do not want to pass away and never truly own my home nor leave my son debt strapped with mortgages. I purchased the XXXX XXXX XXXX home in XXXX with the original maturity date of XXXX. I purchased the XXXX home in XXXX by using my XXXX home. Please explain why the XXXX maturity dates of both homes did not maintain their original maturation date ( especially the XXXX home ). 
When will the errors in the maturity dates be adjusted ( especially the XXXX home since its APR, terms, and payments never changed from XXXX like the XXXX home changed in XXXX )?
Consumer complaint received 2017-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on  XXXX   XXXX   Capital one  received a ceritifed letter from me requesting validation on this debt for the amount of  XXXX  that shows charged off. As of today i have not received any notification of any sort regarding this validation of debt showing my signature. In looking at my credit report today,  XXXX  does not show this marked disputed ( in violation of law ),   XXXX   says resolved by grantor ( my dispute was never answered ). How did they resolve it?  XXXX  s hows notes resolved by subscriber ( my dispute was never answered ), which has never been resolved. The information Capital one has given the CB (   XXXX   XXXX   XXXX   ) are false, as this has not been resolved.
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC. (AZ)

They are trying to charge me for two months worth of rent on top of tons of excess fees. I have apartment manager at time a 30 day verbal notice of me leaving, and she informed me the apartment was rented the next month. I have also attempted to verify this and they claim it was in lease agreement they can charge 2 months of rent without 30 day notice but have Yet to provide me with a signed lease agreement only a spreadsheet with crossed out numbers.
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: National Recoveries, Inc. (GA)

I contacted National Recoveries when I first started new employment and entered into a loan repay program. All of the paperwork was submitted by email and fax. My name and address was to be corrected. The company did collect from my bank account the agreed upon amount for 8 of the 9 months. The repay program was for 9 months. The bank account had my correct address and name. The debt collector should have had this information corrected. I never received a notice that I needed to sign a new repay agreement. I was told after the repay program I could enter into a deferment. However, upon realizing the last payments at 9 months was not taken out of my bank account, I contacted National Recoveries. At this time I was told that they sent me a packet ( to the incorrect address and incorrect name ) and that I would need to reinter into a new agreement and pay another 9 months. I decided to let my lawyer handle this, as I quickly realized this company is a scam, and makes money off of keeping clients in debt rather than helping to get them out of default. The longer they keep you in their company and as a non payer, the more money they receive from the US Dept. of Edu. Fast forward to 2016 and my entire tax return is withheld due to this debt, that they continue to hold me under rather than letting me complete my repay agreement so I can enter into a default. As a single mother of XXXX children, working a state job, and receiving state benefits just to make it paycheck to paycheck this is a disgusting tactic employed by this company. I do not understand why the EDU continues to use them as a contractor.
Consumer complaint received 2022-02-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX
Consumer complaint received 2021-06-04
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: BARCLAYS BANK DELAWARE (NY)

These accounts don't belong to me.

Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

8. Identity Theft BRCLYSBANKDE  Date of inquiry : XX/XX/XXXX This is not mine.

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand XXXX well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Last month, I settled XXXX collection accounts that were since removed from my report. The settlements were supposed to be factored in and my credit score was due to increase as a result of the settlements. I have filed disputes with XXXX and Trans Union and haven't received any updates. It's also very difficult to get in touch with anyone at either company to explain why the accounts were simply removed and not factored in as paid accounts. Instead of updating my accounts with the paid, settled accounts, a new false account was added to my report which reduced my credit score by 60 points. This is a report that I also disputed right away because the debt was originally discharged in my bankruptcy. Attempts to collect this debt have been made before but this is the most recent attempt to add this information to my report. I am trying to raise my score in order to purchase a home but this false reporting and non reporting is a detriment.