davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (NH)

Received a letter from Dovenmhule in XXXX for overpayment on escrow account after loan was sold sent in the paperwork they requested certified mail try to call the company and just get the runaround and still no refund has been sent
Consumer complaint received 2017-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CA)

The original debt is from XXXX. As part of a sales promotion, XXXX offered a {$250.00} gift card for purchases of their products. After establishing service, I never received the gift card. I made several phone calls to XXXX and always got the same response, " We see here that the issue is being investigated ''. The gift card was never received. After cancelling my service I was billed {$300.00} from XXXX. I did not pay the bill because I had not received the {$250.00} gift card. A few months later, I received a collection notice from Diversified Consultants , Inc . I immediately contacted Diversified Consultants and told them that the debt was not completely valid and would be disputed with XXXX. At the same time, I filed an official dispute, in writing, with XXXX. A few weeks later, I received a Voice Mail Message from someone at XXXX instructing me to call them back to discuss the matter referencing case # XXXX. I called them 2 times and left a message on their automated system and never got a call back or received any correspondence of any type regarding my claim. A few months later, I received another collection notice from Diversified Consultants , Inc. for the same claim. This, after I had already disputed the validity of this claim and never received any kind of response from either XXXX or Diversified Consultants. Shortly after, Diversified Consultants filed negative credit information on my credit file, again, after not responding to my dispute. On XXXX, I sent a certified letter to Diversified Consultants with all information outlining all details and offering a resolution to my dispute. My certified letter continues to be un-answered. Diversified Consultants has abused their power by erroneously filing negative credit information on my credit file.
Consumer complaint received 2024-03-07
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (CA)

I am writing to you with a sense of urgency and a request for your immediate assistance. Upon a diligent review of my credit report, I have identified information reported by Sallie Mae that seems incorrect and possibly in violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA endows me with the right to dispute inaccuracies and mandates furnishers to report information that is both accurate and substantiated. In light of this, I am respectfully requesting a re-investigation of the aforementioned items and if they can not be verified or are indeed inaccurate, a prompt correction or deletion from my credit report. 

Enclosed are copies of documents supporting my claim. I trust that Sallie Mae will honor its commitment to uphold the FCRA by investigating this matter thoroughly. 

I expect to receive a written confirmation of receipt of this communication and, following your investigation, a detailed explanation of Sallie Mae 's findings and the corrective actions that will be taken. Please understand the gravity of this issue on my financial standing and address this matter within the mandated 30-day period as per the FCRA.
Consumer complaint received 2023-03-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

In accordance with the FAIR CREDIT REPORTING ACT, this account below has violated my Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C 1681 section 602A states I have the Right To Privacy.

15 U.S.C. 1681 section 604A Section 2 : IT also states a Consumer Reporting Agency can not furnish an account WITHOUT WRITTEN INSTRUCTIONS.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C. 1681c ( a ) ( 5 ) : states no Consumer Reporting Agency may make any Consumer Report containing any of the following items of information, or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX I've sent off letters the beginning of this month and no change was done past the 15 day reinvestigation.
Consumer complaint received 2021-06-04
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harley Davidson Financial Services Inc (NJ)

Due to financial hardship fell behind payments Kept calling more than 5+ times per day even after telling them To stop calling me Never stopped while at work while trying to rest on my days off it was very upsetting and felt threatened Also MY NAME IS WRONG ON THE FILE My name is XXXX, XXXX XXXX THE FILE IT SATAES XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

on XX/XX/2022 or around that date a transaction of {$930.00}. to XXXX. I called capital one and ask them to dispute it they told me that they would. later the they took the temp credit back from me an told me I had to call XXXX. when I called XXXX  they couldn't help me cause I had no account information. I asked XXXX was the package singed for they said yes .i still owe the bank for a phone that was brought on my card fraud and capital one customer service rep has a strong language barrier you cant even under stand them
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: EQUIFAX, INC. (FL)

These are fraudulent inquiries on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX XXXX I XXXX  money to my cousin. However the account closed and I called Bank Of America and request a refund. The agent didn't fulfill my request. After making a complaint to you in XXXX, BOFA decide to contact me, promising to refund my money. Only for the disrespectful agent XXXX blaming me for not getting my money back.I would really like my refund cause I want no business with the bank after being stereotype 2 time at the branch at XXXX XXXX.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (MS)

EQUIFAX is the only reporting agency that has not corrected the inaccurate balance on my XXXXXXXX XXXX XXXX personal line of credit. I called in on XX/XX/2022 and the representative hung the phone up on me when I requested to speak to a supervisor. They have failed to respond in a timely manner to my initial complaint XXXX. Ive provided all necessary documentation via fax and through the CFPB portal and EQUIFAX still refuses to do their job. XXXX and XXXX have already made the corrections. Why has EQUIFAX not corrected my consumer file?
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OR)

I was selling concert tickets and this man offered to buy them. We agreed on using the Zelle app thru our banks. I received an email from a fake Zelle account that he created asking me to pay the {$300.00} fee b/c I didn't have a business account and it was for security reasons. And that I would be reimbursed for the amount of the tickets plus {$300.00}. He had me send it to a " Zelle '' agent at XXXX. The " agents '' name was XXXX XXXX. I did this before realizing that I was being scammed. He then sent me another e mail from the fake Zelle account telling me I had to pay a {$500.00} certificate fee. I didn't and reached out to my bank. They had me delete him from my Zelle and change my password. He is still trying today to get me to send the {$500.00} via XXXX XXXX and fake e mails to the same phone number associated with his real Zelle account.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc. (NE)

I have two transactions from my checking account going to a roarmoney account that I do not have nor have I ever heard of until today. After doing some digging it turns out it went to a bank account app known as moneylion. I have a charge onXXXX for XXXX dollars and a charge one XX/XX/2021 for XXXX dollars as well as 2 overdraft fees of XXXX dollars each. I'm writing this to get help getting my money back.
Consumer complaint received 2020-11-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Credit Card - Revolving Terms Usage : 31 % Balance on XX/XX/XXXX Credit Limit {$340.00} {$1100.00} Payment Info Status Current, was past due 60 days Status date XX/XX/XXXX Past due amount - Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 30 60 30 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N N N N XXXX N N N N N N N N Negative Data Unavailable
Consumer complaint received 2019-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c.

I am also INCLUDING MY RECENT CONTACT IN CASE YOU NEED TO REACH ME : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.
Consumer complaint received 2022-09-06
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I made a small purchase in in XXXX of XXXX. Paid the balance of in XXXX XXXX. Because of delays in mail delivery. I discovered that the payment was a day late. Upon receiving the bill for {$14.00} I called and paid the late fee this was on XX/XX/XXXX. I received the bill after the due date for XXXX XXXX called and how could I have a late fee on a XXXX balance. this bill had two o late fees for {$14.00}. they could not explain it. so. they reversed those XXXX fees. once again, I received a bill in XX/XX/XXXX with a balance of {$58.00} the supervisor refused to correct the fee. I closed my accounts and asked to be removed from all of their sister companies catalogue mailings. Well, here we are in XX/XX/XXXX new bill says the balance is {$89.00} with a new late fee of {$30.00}. I have been with them over 10yrs and never missed a payment. always paid the bill right off. They have lost a customer and don't seem to care about.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (IL)

I have t he Synchrony store card for Amazon th at offers 5 % statement credit on all purchases. I see the section of the statement where this credit is shown each month but as far as I can tell, the credit is n't actually being applied to my balance. For example, my latest statement shows : + 5 % Back {$12.00} + Bonus Statement Credits - Returns - {$0.00} Monthly Statement Credits {$11.00} But no  XXXX  credit is applied to my balance ... the only credit is for the return of an order in the amount of  XXXX .     I 'm not sure how far back this issue goes ... probably since the account was opened.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.
Consumer complaint received 2017-05-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

XX/XX/XXXX  , day before my   XXXX   birthday Myself & Son went to   XXXX   XXXX     XXXX  Pa, sales person   XXXX   XXXX   ... the way Girl explained things   XXXX    would pay off  XX/XX/XXXX    XXXX   XXXX   found out  XX/XX/XXXX   XXXX   XXXX   was not paid off ... I contacted   XXXX   XXXX   & spoke to the finance dept at  XXXX ..  XXXX   said there was nothing they could do..I asked  XXXX  if the contract could be renegotiated I was told NO! ... I came into the dealership with an advertisement stating They   XXXX   could save me {$200.00}. On car payment ... I end up owing a $  XXXX car payment plus a {$420.00} lease per month ... that was not what I bargain for, I 'm  XXXX  on a fixed budget, I take care of my   XXXX   XXXX   XXXX   XXXX   Niece ... WHY WOULD I TAKE ON   XXXX   CAR NOTES .... &    XXXX   XXXX   XXXX      did a BATE & SWITCH , My Son also heard   XXXX   state they would cut a check that same day to pay off  XX/XX/XXXX   XXXX   XXXX   ... .I left   XXXX   XXXX    XX/XX/XXXX  with the mindset that the XX/XX/XXXX  was PAID OFF.  XX/XX/XXXX I found out different and started calling everyone ... ..I 'm
Consumer complaint received 2016-11-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (FL)

This company calls me several times a day wit a recorded message about tracking me. I called back and the woman on the phone told me that I defaulted on XXXX payday loans back in XXXX and XXXX. She claimed i owed over {$1500.00}. She threatened me with legal action.
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I received communication from a company called Asset Acceptance ( AA ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned AA inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent AA a certified letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have XXXX again sent AA another letter, this time certified return receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however AA still has not validated this account, and refuses to remove this account from my credit report.
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Perfection Collection (NY)

An negative trademark was placed on my credit report regarding a XXXX account. I have no knowledge of who opened the account or authorized my name to be assosiciated in any way, shape or form with this account. I was never shown any documentation regarding the account or made aware of how my social security number and credit reporting became connected to the account. I was asked to be mailed documentation showing the name of the person who opened the account & was denied. On XXXX, I called and spoke to a representative by the name of XXXX and was told that my name is not listed as the primary person on the account. I never gave my social security to any employee or representative of XXXX. I would like my name and personal information to be disassociated with this account and all negative trade lines removed from my credit report. I do n't even live at the address where the account was opened! What kind of security company does n't take the necessary precautions to get the correction information & Identification of people they are allowing " secure '' access to a home!!!
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (MI)

I have had repeated problems with PayPal, which has twice now issued me their credit cards without my knowledge or consent ( including a XXXX one now after having directed them to cancel a prior one ). They then link their unwanted credit card to my PayPal account, and make it the primary means of payment. Generally I am able to avoid using their card by switching the payment to my " real '' ( XXXX ) credit card, but I need to remember to click on my XXXX credit card each time I make a purchase, and occasionally I forget. 

The amount I owe on the card is modest ( less than {$50.00} ) but I find this business practice to be deceptive and if it is n't illegal it certainly should be. ( They basically are tricking consumers into using a credit card that the consumer never asked for or agree to have ). I would appreciate you looking into this on my behalf and on the behalf of all consumers. 

Thanks, XXXX