davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022 ( and possibly other dates that have past ). I went on the Capital 1 website at XXXX and made my payment. Attached are confirmation emails from them. They seem to think that the date changes at XXXX and not midnight. The last time I checked the United States and the World are ALL on a 24 hour cycle not 20. They use this to charge excessive feel to the consumer and that limits our ability to get out from under their crushing debt and fees.
Consumer complaint received 2019-02-25
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. (NJ)

XXXX XXXX loan has been fraudulently opened with my information through another company called XXXX XXXX. I contacted XXXX XXXX   and they closed the account but XXXX  XXXX remains in all of my credit reports as a negative item. XXXX  XXXX has received my police report and other personal identifying information needed. However, XXXX XXXX remains on all three credit reports. I want the negative item removed because it is not mine and fraudulent
Consumer complaint received 2018-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation (IL)

I took a installment loan out on XX/XX/17 for {$1600.00}, I received the money via ach transfer into my checking account. 2 weeks later I started making payments of {$140.00} which was deducted automatically every 2 weeks via electronic transfer. It was a high interest predatory loan a tribal loan. To this day after paying over {$2500.00} back the balance is still about {$1600.00}. To avoid this crazy interest i tried to contact company to pay it off to avoid the crazy interest. However starting over 1 month ago i tried to reaching the company but the number would go straight to a voicemail every timei called during normal business. I then noticed the website was gone and a new website was created with some type of shopping portal intro near the sign in. I emailed the company via the fake chat option, i emailed the support line only to get the message returned back to me. Next they went from deducting my account via ach transfer to making up a phony check. I then alerted my bank and am in the middle of closing the account. I believe they were shut down for legal reasons as I see many reports online about this company working under everal different business names and many complaints against them.
Consumer complaint received 2016-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (TX)

A company other than the original creditor collecting on a debt that is not mine. I contacted the original creditor and they have no knowledge or records of me ever living in their apartment complex. I have problems renting apartments because of this matter. The company who I rent for now took the liberty of verifying to the original creditor if I ever lived in their property and they told them no also. 7 years ago this same debt was removed from my credit report and this same company somehow managed to have it reported back to my credit report and updates its monthly so that it could remain on my credit file longer than allowed.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NE)

A debt collector contacted me via fake process server to give me a heads up for a debt from 2011 which I do not owe. They claimed a Wells Fargo bank manager signed an affidavit that I took out a pay loan in the amount of {$1000.00}.
Consumer complaint received 2016-07-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MS)

Loan from XXXX University and I have never attended school there. A duplicate loan from XXXX XXXX College made after I left. XXXX semester, XXXX classes and XXXX {$5900.00} dollar loans. XXXX at the beginning of the semester and XXXX after I had left the school. Only the first XXXX is legitimate and has been paid.
Consumer complaint received 2015-08-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Since XXXX 2015 I have been unemployed due to being laid off. During this time I have attempted to make my payments but when you have not income coming in it is very hard to do. I have been talked to very inhumane regarding my account. I am constantly being threatened by my car being deactivated. I am constantly asked if someone can pay for me. If that was possible, I would not be behind. Even though my sister cosigned with me, she does not help me at all with this even though she knows my situation. I am on my own right now. I am daily looking for work so I can get back on track with you all. This is the second vehicle that I have purchased through Credit Acceptance and I had no problem with my previous purchase. I want to keep my car but I need some assistance right now and no one in the organization is willing to assist me or work with me except for demanding that I make a payment. I need a deferment so I can get back on track and not ruin my sister 's credit because that is her main concern right now. I appreciate any assistance you can give me.
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (CT)

After paying off my account balance with Discover recently, they chose to lower my credit line to XXXX from XXXX. They cited recent credit items as the reason for the decrease, most of my accounts are paid off recently. If anything, my credit line should have gone up due to my score going higher.
Consumer complaint received 2015-12-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Asset Management Group, Inc. (TX)

XXXX and XXXX Called me, my husband and mother-in-law stating they had a summons and had questions about a property address. They also said ( XXXX times ) that this was their final call. They made it sound like some sort of emergency, I was given a case number. They call themselves the XXXX XXXX, and are asking for a social security number.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I was looking for a credit card with a signup bonus and rewards and I found a few cards, among them was Capital One Quick Silver. I went to their website and saw there was a promotion of receiving XXXX $ upon spending XXXX $ in 3 months, therefore I signed up and provided my information and got my account opened. I spent more than XXXX $ in 3 months and today I called Capital One about the signup bonus and the operator told me that they have a system that automatically approves or declines XXXX $ signup reward based on unknown criteria. I asked the operator to provide me the information where it states that, and she told me that it is just in their system and unable to provide me the source. After 50 minutes of conversation and waiting, she told me that she was redirecting me to the supervisor, and then after waiting for a few more minutes, she told me that the supervisor was not available, instead I can send them a mail to their mailing address, which will take forever to get reply and is very exhausting for many customers. 

I would like to complain about how it's very fraudulent and deceiving to show appealing offers on their website 's homepage, and once a user signup and provides all the information, and gets a hard inquiry on the credit history, and spends extra money to become eligible for the offer, then when it's time to get rewards, Capital One denies it based on the unknown eligibility criteria. 

Link of their credit card I signed up for, which is still offering XXXX $ signup bonus. 
https : //www.capitalone.com/credit-cards/quicksilver/ Important Information : Capital One card signup page link I signup from : https : //www.capitalone.com/credit-cards/quicksilver/ Signup Date : XXXX Conversation about this issue with Capital One : XXXX Time : XXXX XXXX XXXX  XXXX  Capital One Operator Information : Name : XXXX, Employee ID : XXXX
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2016-09-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

ARS account resolutions also noted as XXXX XXXX XXXX of XXXX in the amount of {$1200.00} on my credit report since XXXX should be removed. I am not aware of who or what this medical item is and have NOT been to a hospital since XXXX. I had medical insurance thru my company at that time, this all medical items from XXXX were paid thru insurance. This company has never contacted me via phone, nor have I ever received anything via Mail about owing such a large medical bill since I was never hospitalized. I never received notification of owing such a bill from this company and there is definitely not enough information from the listed details ( no details of debt, who bill is for, details of creditor not dates of service indicated ). Please remove from my credit report and lost this company as fraudulent. THANK you in advance.
Consumer complaint received 2016-03-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I have received some strange letters in the mail over the course of the past month and I am puzzled because I have been trying to modify my loan and it has been unsuccessful. I am now facing foreclosure in the middle of a loan modification.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

I have a old debt with XXXX but it was in XX/XX/2013 and this account its too old to be in my credit report. I have this debt from 6 year ago. Now this collection company is keeping calling me every single day all the time. XXXX  is taking care all my credit but still is hard because the XXXX XXXX  debt company keep harassing me every day and the account dates are not correct in my credit. Please release this debt from my credit report because this debt its too old to be in my credit report. Thanks
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

Equifax continues to violate their stated rules and antidiscrimination laws by reporting outdated public record information regarding a Chapter XXXX bankruptcy filed 7 years ago in XXXX 2008. This wage earner plan was filed during the last week of XXXX 2008 and placed on the court docket in XXXX 2008. The plan was completed and discharged. Equifax has a policy of deleting XXXX XXXX bankruptcy information from credit reports between 6 and seven years after the date of filing. However, in my case they continue to engage in disparate treatment by steadfastly refusing to remove the information from my credit report.
Consumer complaint received 2022-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp. (GA)

A company reached out to my eldest daughter regarding a debt that they state I owe to XXXX XXXX XXXX. I have not had an account with XXXX  XXXX XXXX for years, so I am not certain what debt they are speaking of and why they contacted my eldest daughter instead of myself. I have had clear credit - no debts- for at least two years now as I worked to clean up my credit rating. 

Information from the email my daughter received and forwarded to me : From : XXXX XXXX XXXX Date : Fri, XX/XX/2022 at XXXX AM Subject : XXXX XXXX, important reminder To : XXXX XXXX XXXX XXXX ( NOT my email address ) Your TrueAccord account number is : xx-xx-xxxx-xxxxx - We don't want to see your balance of {$8300.00} be taken back by XXXX XXXX ( current creditor of your original XXXX XXXX  XXXX, XXXX. account ).
Consumer complaint received 2017-05-23
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. (GA)

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages  that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that   you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify aft er two written requests is also evidence of your willful disregard of Federal Law. When  we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the  Court will order you to delete them. You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can no t be verified. I request that you do this immediately. The law is very clear as to the civil liability and the remedy available to me  ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an  updated and corrected credit report showing that these items have been deleted.   Name of Account :  XXXX   XXXX   XXXX   XXXX  :   XXXX   XXXX   XXXX   XXXX   XXXX  Account Number :  XXXX
Consumer complaint received 2019-02-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Credit bureau is reporting inaccurate information on my credit report. I have no contract with this credit at all. The creditor is trying to collect on a debt that has already been paid to the original creditor by my insurance company. The creditor can not provide any verification to me having a valid debt with their company. Also reporting is a collection that I have no contract with this credit in the medical field.
Consumer complaint received 2016-06-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (IN)

Discover continues to withdraw funds from my personal checking account, making payments on a Discover account that I 've reported multiple transactions as fraudulent. In XXXX XXXX, I had a credit of at least {$20.00} on this Discover Card account. A XXXX woman that still lives with me is a predatory individual and professes to love me -- I 'm XXXX XXXX XXXX -- I 've been told this is a " sweetheart scam ''. This individual made all the purchases after XXXX on this account without my consent. I did not make these transactions with this Discover card. I 'm attaching the XXXX Police Department 's reports. I first reported this financial elder abuse to the XXXX Police Department on XXXX XXXX, XXXX and subsequently XXXX XXXX, XXXX. I 've reported the theft to Discover as well but the representative badgered me over the phone for my new XXXX personal checking account information so minimum payments would continue to be paid. I closed my original XXXX account when I learned of the fraud. I am currently going through the court system to remove the woman from my home.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (AR)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 2016-09-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (DC)

I opened a business account with Wells Fargo in late XXXX 2016 and my first deposit of {$10000.00} on XXXX XXXX 2016 was placed in a " hold '' until XXXX XXXX 2016 ( I just started a small business, so this is a very long period to wait for the availability of funds ). When I asked them about why this was, Wells Fargo claimed that when they tried to deposit the funds on XXXX XXXX that the account attached to the check has insufficient funds and they they would wait a week to try it again, but that the funds, whether deposited or not, would still continue to be " held '' and unavailable until XXXX XXXX 2016. I checked my my client who issued the check and their bank shows that the money was withdrawn from the account on XXXX XXXX ( the day I deposited the check ). Wells Fargo claims that this is n't the case ( despite proof the the money is no longer in the account attached to the check ), and that there is nothing they can do about the hold. I suspect that Wells Fargo is holding the money for investment purposes since I 'm a new account holder and have very few options in terms of recourse. It makes no sense to me that the funds are not in the originating account and Wells Fargo is claiming that the money must be " with the federal reserve ''. I spoke with " XXXX '' in their complaints department and he could n't or would n't help me. He said that the funds would be available on XXXX XXXX 2016 ( different than what the previous gentleman told me ) but refused to give me a complaint number or a number to reference in case the money is n't available on XXXX XXXX. I let them know I would be filing a complaint with the CFPB. Wells Fargo is behaving in an unethical and unhelpful manner.
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (MD)

My mortgage is with Chase Bank under loan number XXXX. Most recently, I asked them to provide the refinance paperwork ; however, when asked them to provide the refinance paperwork, they responded that they had no idea what I was asking. I refinanced because the mortgage payments were too high and the refinance they offered lowered the payments by {$600.00}, so this is a problem with the inability to not pay the mortgage at the time. However, I do n't really understand the terms or how this happened and they did not provide the refinance paperwork. I believe that the loan is a conventional fixed mortgage but, I am unsure. Your assistance on this is greatly appreciated