davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I keep getting harassed by Capital One. I got a ppp loan back in XXXX and at the time I was an employee of Capital One. Capital One along with Legal, Associate Relations, and Ethics and Compliance did a thorough investigation of my account records and determined that a ) I wasn't money laundering and b ) my PPP loan wasn't fraud. 
Then in XXXX Capital One placed a hold on my acct for the PPP loan which caused my acct to go into the negative. I spoke with someone who verified that an investigation was completed with Ethics and that she could remove the hold. 
Now in XXXX Capital One is calling me again about the PPP loan asking for the same documentation that was provided and telling me that they will place a hold on my acct and stop all debits.

Capital One is harassing me and creating unnecessary stress. 
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX, to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from my report.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My identity has been misused and there are now fraudulent accounts reporting on my credit report. There is a credit card that has been maxed, a loan for a vehicle and a bunch of unauthorized inquiries. This is truly hindering and it is making my process to gain personal funding very difficult. This goes against the FCRA guidelines and I need these accounts removed from my credit report as soon as possible. I have submitted proper documentation to verify my identity along with the pdf file of my complaint through the FTC. The report number is # XXXX
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (DE)

I paid this account off on XX/XX/2018 paid and Full with Convergent outsourcing via XXXX Convergent gave me a settlement of {$62.00} out of the {$200.00} that was originally owned I paid it into two installments {$12.00} on XX/XX/18 & {$50.00} on XX/XX/2018 I gotten two emails from XXXX showing proof that they got the money Also conformation Number that is was paid I called XXXX on XX/XX/2018 An agent called convergent to verify that it was indeed paid I requested it to be removed off of my credit report And theyre still say I owe and its paid
Consumer complaint received 2021-10-21
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. (CA)

I have try fixing this problem but I have had no luck. Back in XXXX I submitted disputes with all three bureaus. XXXX did their job the two other have not. The dispute that is still on my report is XXXX XXXX XXXX XXXX. This is over XXXX years old and needs to be remove from my report. I was under the impression that they automatically come off in 7 years was not aware that I would have to fight so much to have this remove. Not only did I send one but I sent two and still nothing is done. I hoping you can help me this and get this item remove.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (AR)

Its Nationwide Credit & Collection Inc. They call from XXXX and text from XXXX. I am receiving multiple calls and texts that ask for verification of identity before they share info. They call 3 to 5 times a week and now have started texting. I pay all my bills and have no idea of any debts owed. They act threatening and say since I wont share identity verification I can just wait for the mailing.
Consumer complaint received 2021-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

On XX/XX/XXXX, I submitted an Employment Certification Form that documents my employment from XX/XX/XXXX through XX/XX/XXXX with the University of XXXX XXXX On XX/XX/XXXX I received a message that Fedloan received my PSLF Certification and Application and would take the time to review to make sure PSLF form is complete and confirm I meet the criteria.

Fast Forward to XX/XX/XXXX. I received a follow-up message from Fedloans that resulted in Fedloans NOT certifying my employment at the University of XXXX XXXX XX/XX/XXXX through XX/XX/XXXX. That is a WRONG outcome. I wanted my employment to be certified for those dates. 

I am NOT asking for payments from those dates to be counted by Fedloans. But -- -- I am 100 % asking for Fedloans to CERTIFY and process that I worked for the University XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and that the University XXXX XXXX  is a QUALIFYING employer for XXXX. Again -- -- I AM NOT ASKING FEDLOAN to COUNT THOSE PAYMENTS -- -AM NOT. 

But, Fedloans should 100 % certify that my employer qualified for PSLF and certify the date range that I worked at that Qualifying Employer.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LENDCLUB BNK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-05-31
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. (GA)

This accounts do not belong to me were opened without my consent or knowledgeThere are many errors within this listing. Please check the Date of Last Activity, Payment History, Payment Status and remove immediately or I will pursue further actions.
Consumer complaint received 2021-02-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Onn  XX/XX/XXXX and then again on XX/XX/XXXX I mailed letters to all three credit bureaus. Today is XX/XX/XXXX and I have yet to hear anything from the bureaus pertaining to my disputes. I believe they are conspiring together to purposely deny me my lawful rights to a true and accurate credit report.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (ME)

I was out of the country for over 105 days. and my automatic payment with XXXX XXXX was missed. XXXX XXXX and TD Bank sent me a letter of this not an email which would have allowed me to reinstall the insurance. TD bank charged me at the rate of {$350.00} per month when my normal home insurance was {$60.00} a month. They charged me the insurance in arrears as the period had already happened, Insurance cancelled XX/XX/2020, I returned to see the mail XX/XX/2020and I will pay this black market rate or never clear my mortgage. This is insurance usuaryand is unacceptable. 
Upset I went to pay off my mortgage on XX/XX/XXXX less the insurance charge. Today XX/XX/2020 I find they have not credited my mortgage payment yet, my bank account balance was deducted immediately.. Even though I paid the full mortgage balance plus accrued interest through XX/XX/XXXX, I find they are still charging me interest on the full mortgage balance through XXXX. I believe this to be illegal. Covid 19 allows the bank excuses the call center phones are backed up, TD '' s mortgage section can not give you a true payoff, and they can only correspond with the mortgage originator not talk to them and they work for the same company. This kiting practice should be investigated.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, I attempted to access my Chase Mortgage account online. I was interested in refinancing and wanted to pull my last account statement and request a pay off quote. When I tried to log in, I couldn't remember my password and attempted to reset it. A message appeared that my account was locked and I must call XXXX to have it unlocked. 

On XX/XX/2021, I attempted to reset my password again. I received the same message and called the number above around XXXX XXXX.. I selected the option for a call back. After receiving a call back, I was transferred multiple times, disconnected, placed on hold, etc. I called back in several times and was unable to have someone unlock my online account. It is now XXXX XXXX, and I am still on hold to have someone unlock my account. 

It appears that Chase Mortgage is not adequately staffed to assist consumers with online account lockouts and resets. Also, I'm concerned that they are preventing access to the documents I need in order to retain my mortgage and prevent refinancing with another lender.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (AL)

I have a loan with Chrysler Capital. My car was flooded out and my insurance company paid their part. The finance company sent me the bill. I said why so much. I asked them for a record of my payments. Upon receiving the report, I noticed that the first 12 payments went to interest. XXXX x XXXX XXXX dollars. They stated that was simple interest. I said that is not simple interest. They still have me owing XXXX dollars on the car. I wrote them and no one has replied to my letter or phone calls. They just keep calling for payments. They sent me a copy of my contract, so small you can not read it. I asked for a readable copy, not yet. This all happened XX/XX/2018. This is affecting my credit scor and purchasing power. What to do. 

Thanks
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed erroneous and damaging information being reported on my Credit Report with the CRA 's and they did not legally and in its full entirety investigate my disputes. I am demanding that a complaint be filed against these companies for willfully not following the law according to the FCRA act.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I immediately reported debit card fraud when identified. I advised Wells Fargo I was a victim of identity theft. The transactions with the card can be traced to benefit 3rd parties which I am not associated with. I received no benefit from the transactions. Wells fargo was made aware of data breach which allow for hackers to access documents, data, and to hijack text messages via programs like XXXX your phone and still erroneously classified every disputed transaction as valid. A law enforcement report was provided to Wells Fargo, which is an affidavit of claim. I am attempting to resolve this issue through regulators to avoid expensive litigation.
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Transunion, I am writing to bring to your immediate attention a matter of significant concern regarding my credit report, managed by your agency. Upon reviewing my credit report, I have identified several accounts that I believe have been reported in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681, 15 USC 1681c ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). 

The accounts in question are as follows : XXXX XXXX - Account number : XXXXXXXX XXXX XXXX  - Account number : XXXX XXXX - Account number : XXXXXXXX XXXX - Account number : XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXXXXXX XXXX XXXX Account number : XXXX These accounts have either been reported without my express written permission, contain inaccuracies, or include adverse information that is outdated and thus should not be part of my consumer report. 

In accordance with the FCRA, I am formally requesting the immediate deletion of these accounts from my credit report. This action is necessary to correct the inaccuracies within my report and to restore my rights to privacy and confidentiality as mandated by federal law. 

I have taken the steps to document these discrepancies thoroughly and expect a swift resolution to this matter. According to FCRA guidelines, I understand that you have a legal obligation to investigate this dispute and provide me with a response within 30 days. 

Please consider this letter a formal dispute notice, and I request that you initiate the investigation process immediately. I am prepared to take further action, including seeking legal counsel and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if these issues are not resolved promptly and satisfactorily. 

I appreciate your immediate attention to this urgent matter and expect to hear back from you with confirmation of the deletion of these accounts or, at the very least, an update on your investigation within the statutory timeframe. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-10
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. (GA)

I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Dear Recipiant, The follow companies have violated United States Codes 16 CFR 642.3 - Prescreen opt-out notice. I was not given the " Prescreen opt-out notice ''.

To add insulate to injury, my personal credit score has been deleted! I can not get approved for any financing or credit cards. This is effecting my life.

I demand that my personal credit score be reset to XXXX with all credit bureaus. 

Below are the following Companies that violated 16 CFR SUB SEC. 642.3. XXXX Inquiry from XX/XX/2021 XXXX XXXX Capital One Inquiry from XX/XX/2021 Bank Capital One Inquiry from XX/XX/2021 Bank XXXX Inquiry from XX/XX/2021 Department & Variety Stores Page XXXX Inquiry from XX/XX/2021 Automotive XXXX XXXX Inquiry from XX/XX/2021 Finance XXXX XXXX XXXXnquiry from XX/XX/2021 Finance XXXX XXXX Inquiry from XX/XX/2021 Automotive XXXX XXXX Inquiry from XX/XX/2021 Credit Union XXXX XXXX  Inquiry from XX/XX/2021 2021
Consumer complaint received 2021-05-31
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. (VA)

Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX XXXX ] in the Honorable XXXXXXXX XXXX credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the Hon.XXXXXXXX XXXX credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).