davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: 3rd Generation, Inc. (CA)

The creditor is unwilling to try to work with you on late payments. They always threaten repossession as the first line of action. Give ridiculous deadlines and threats and very unprofessional. Call your references and family members right away harassing them if you are late. Very degrading and unprofessional in their actions. A family member offered to help pay my payment but was told that they would not wait until XXXX XXXX it had to be XXXX XXXX the same day or else. Would not come to a workable solution at all. Go with their motive or nothing. Payment is late but not even close to 30 days. Again they were going to receive full payment XXXX XXXX by XXXX XXXX only 15 hours from their request and they were rude and said forget it they did not want the payment. Spoke to XXXX XXXX who was rude threatening and arrogant. His number is XXXX. XXXX XXXX XXXX should not have account managers working for them who treat people like they are loan sharks. Horrible people.
Consumer complaint received 2024-01-10
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. (TX)

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights ; 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 
Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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. 

Here are the accts I have question about :
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I still have never been properly contacted by this company. I have never received a piece of mail as required. They sent any communications to an address I have not used in XXXX  years. To this day I still have not properly been served with requested Debt Validation and Debt Verification as required by law.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I have disputed information with XXXX  XXXX Equifax reporting agencies The only address that needs to be listed is XXXX XXXX XXXX XXXX, XXXX, NC XXXX Credit Bureau 's are sending out information and third party information in my name for addresses, I don't reside. 

XXXX XXXX XXXX is disputed, it's been 7-years, demand removal. 

XXXX XXXX listed since XX/XX/2011 7-years and 1-month demand removal XXXX XXXX incorrect listed 7-years, demand removal XXXX XXXX XXXX was closed in good standing, incorrect info demand removal. 

XXXX XXXX incorrect info, been on report 7-years, demand removal XXXX incorrect listed for 7-years, demand removal All XXXX XXXX XXXX accounts have been listed 7-years demand removal Credit score should be at least 700.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One has placed and keeps BOTH of my account on a 31 day hold and, despite all attempts to appease them, they will not tell me why. 

It comes down to Capital One assumed I am committing fraud despite all my attempts to prove otherwise. 

I've made all my Capital One payments on time from the same account, sometime more than once a month. 

Timeline  XXXX- {$250.00} Payment made via CapOn app, I get an immediate notice that my account is on hold. 

XXXX - Call Capital One, rep initially states that they put my account on hold because I paid my balance off 4x in the same month and needs to verify my bank account ... .WHICH TAKES NO LESS THAN FOUR ( 4 ) 3-way CALLS TO ACCOMPLISH. In the end, CapOne rep says hold is removed. 

XXXX - Payment hits CapOne account. 

XXXX - I get a XXXXXXXX 'd note saying that I was abusive and used foul language to their customer representatives. I was on the 3-way calls with them ( 4 reps ) with 2 of my home credit union reps and BOTH I and my home bank representatives stated never heard of this, and I only repeatedly apologized to my CU reps and stated that this was stupid and did not understand this unless Capital One assumed I was committing fraud. 

~XXXX - A few days later, I notice that neither of my allowable credit reflects my payments on either of my Capital One accounts. I call and the rep says my accounts are on hold until XXXX to make sure my payments from XXXX clear, well over the 28 allowable day by law and their terms of agreements. 

XXXX - In the interim, I returned a {$280.00} purchase which is credited to my primary CapOne account BUT CAPITAL ONE REFUSED TO APPLY IT TO MY ALLOWABLE CREDIT. And they would not return the balance except by paper check after 10 business days, As my credit limit for either account is {$200.00} & {$300.00} ( primary ) respectively, my $ XXXX payments on hold makes my cards effectively useless despite my 6 figure income and fair credit ( not bad credit, just didn't use credit until recently )
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (CA)

I accepted a loan from XXXX XXXX for {$850.00}. The interest rate was predatory and I am now having a difficult time making ends meet. 
Balance : XXXX ( XXXX ) payments of {$230.00} for a total of {$2000.00} Paid to Date | Up to Date and In Good Standing XXXX ( XXXX ) payments of {$230.00} ( {$2000.00} Balance Remaining ) I am a senior citizen and having difficulty making ends meet. Not sure what I can do.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

NELNET -Requested a refund for XXXX dollars on my XXXX consolidated student loan. Was told 7-10 for it to be approved. Per the CARES act, all payments made after XX/XX/XXXX can be refunded. Now I call and get differing information everytime I call. Sometimes it is the balance will reflect only when the check is issued. Sometimes it is the balance will reinstate and the check will be issued 2-4 weeks after. 

Would like accurate information and also to have my balance reinstated and also for my refund check to be sent. Thank you.
Consumer complaint received 2018-05-31
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. (NC)

I am a victim of identity theft and I would like TransUnion to look into my report that I am submitting. I would greatly appreciate since I am not able to mail off necessary documentation. I will upload documents with my complaint. 
Thank you for your understanding.
Consumer complaint received 2024-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (CT)

This is a follow up to complaint # XXXX We were finally able to work with a manager, XXXX XXXX XXXX in resolving unapplied payments to our loan. We have been in phone contact and email since mid XXXX. He has given us verbal assurances that all unapplied payments, ( over {$30000.00} ) have been applied and any fees that were associated with that have been reversed. 
I have asked multiple time via phone and email, the latest being XX/XX/XXXX to provide us with a detailed print out of all applied monies and reversal of any fees. He has verbally stated that he would do so. When I last emailed him, he turned our case back over to the customer service pool. A representative, XXXX, called my husband on XX/XX/year> and assured him we would have a print out followed with a return phone call by the end of the week XX/XX/year>. As of XXXX XXXX, end of business on Friday, we do not have a statement or a phone call. I have emailed XXXX today, XX/XX/year> to once again request a full accounting of all payments applied and reversal of fees. 
At this point, I feel the company is not acting in good faith and is purposely withholding information regarding our account and our payment history in order to deceive us as a means to collect more interest. We have made it very clear to the company that we wish to get the matter settled and then get a payoff amount so we no longer have to deal with this unethical company. 
Any assistance on your part to help us would be greatly appreciated. 
XXXX and XXXX XXXX
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

I have just discovered that without my knowledge or consent Wells Fargo extended a mortgage that I am on an additional 14 years. How can it be legal for them to burden me with 14 additional years of indebtedness? I do not want an extended loan. I want the original terms. Can terms be changed without my knowledge and consent and then still hold me liable?
Consumer complaint received 2024-04-12
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 (NY)

" My card was closed by Capital One in XX/XX/ 2024, and I have {$1700.00} in my cash back account. However, the XXXX are claiming that they are not required to give me my rewards because they closed the card, not me. But the website https : XXXX does not specify that if bank closes the card they don't have to send my rewards. '' There are XXXX cards XXXX ending XXXX and the other ending XXXX
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

Someone stole my identity and used my debit card number to make purchases over a three year period through two banks. My current bank XXXX XXXX and past bank TD bank. I ended up with an unusual number of overdrafts at TD bank and had to change my debit card three times. I explained to them that someone was using my debit card but they could somehow always say my account was correct. I changed to XXXX XXXX whete I recently discovered that money was being transferred from my account into XXXX XXXX. The only reason I caugjt it was because it was over XXXX .
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

Venmo has let several transactions go thru that where deemed in violation of their user agreement process to the account and got one time did Venmo block, deny, or contact me to let me know that XXXX XXXX wasnt allowed thru Venmo I havent did anything fraudulent on my account at all and Venmo did not stop any payments or deny any transactions on my XXXX XXXX for 1 year so I was under the impression that I could use my debit card on XXXX XXXX Im in a state where it is legal to bet on XXXX XXXX apps so I havent did anything fraudulent at all and all of a sudden you guys put a hold on my account on XXXX XXXX this is unacceptable why let several transactions go thru for up to XXXX and now say I cant bet on any XXXXXXXX XXXX and put a hold on my money that is rightfully mines and not fraudulent at all for 180 days this is unacceptable.. the 1st time I made a purchase on XXXX XXXX app you guys was suppose to cut service with me right then or you guys system u say that has control and over sees the integrity of Venmo policys was suppose to alert someone and not let several of the same transactions that are so called goes against paypal and Venmo policies and user agreement go thru several times with no problem for a year Venmo was suppose to cut ties immediately thats what the policy says not wait till 1 year later and I have my whole life savings in my account to put a hold on my money for 180 days and close my account thats unacceptable. And I have PayPal and have made the same transaction and still to this day have made the same transactions on Venmo I have made on PayPal and never not once no one has said I suppose to get permission to place XXXX XXXX bets.. PayPal and Venmo are brother sister digital transfer platforms and PayPal has yet to put a hold or block on my account I have proof that Im going to provide as well but this is so unacceptable for you guys to hold my money I demand my money right now because you guys arent holding those same user agreements and terms that both Venmo and PayPal share to the fullest this has put me in a financial hardship I have lost my car, house, job, I am currently homeless and you guys are holding anything I have left to my name for 180 days and thats unacceptable because you guys arent being fair at all this has made me sick as well and I feel that if I dont get my money as soon as possible I might XXXX so this is very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and only have very little money left to serve on I demand you guys let me transfer my money out of my Venmo account immediately and close the account. I have attached several documents that contradicts PayPal and Venmo policy and user agreement you guys let several so called violation transaction go thru for XXXX and never block, hold, or close the account until now why this is unacceptable and I demand my money be released immediately asap..
Consumer complaint received 2022-10-03
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: General Motors Financial Company, Inc. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Equifax keeps on violating fcra regulations they recently reinsert information on my report which was deleted long time ago, reinsert, deleted, and now again reinsert. When reaching out to them by email they simply not responding or just giving false and funny answers. In result of this, I was already denied a mortgage, even if they correct it and l reapply, I'm not sure it will still help, and if it does, it will surely lead to an extra hard inquiry on my report. IT'S ABOUT TIME TO FINALLY PUT EQUIFAX OUT OF BUSINESS.
Consumer complaint received 2024-03-09
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (ME)

I opened a XXXX XXXX account, and they gave me a line of credit of XXXX. XXXX some does some sort of a linking method after you are approved to your profile at XXXX instead of giving you a physical store card. They can not get my new account to link to my XXXX account. So, I open this new credit line that I do not have access with. I spend countless hours on the phone with them and was told my situation was escalated. I never hear back from the company. I wrote a letter to XXXX XXXX XXXX and finally had someone reach out to me and said he had issue before and will have it fix in 72 hours and get back to me. It been longer then 72 hours and nothing nor will he respond to my email. I am so upset that I had a credit check done on me, a credit line opened and I can not even use it, I really need help.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc. (TN)

Received a copy of my credit report and would like to request an investigation on the following accounts : Account Name : Nelnet Account Number : Please verify the completeness and accuracy of this account : Account Name : Nelnet Account Number : I was never late paying on this account. This account was paid on time and in full. Balance should be {$0.00} Please ensure all aspects of these accounts are reported 100 % accurately and completely.

I'm afraid these three credit reporting agencies have not been exercise their grave responsibility that was given to them impartiality. 

Also, this company does not have my permissible purpose to identify this on my credit report. Please update the errors, then delete from my credit profile. 
Attached to this is a copy of my personal identification information. Please also mail me an updated copy of my credit report upon completion of this investigation.
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.XXXX   XXXX {$2000.00} XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX {$2400.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$860.00}
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

I was charged without my permission the following dates and charges XX/XX/XXXX {$4.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00}.

I called Experian and they lied to me. I did not order this product.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX XXXX there should be no other variations of my name delete them immediately this is causing me to be denied for credit which is a violation of my civil rights and could potentially cause me to sue. My address should only be XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX this is the only address authorized to receive any mailings and my only address I authorize anyone to use. Any other address are incorrect and not mine delete them immediately.
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc. (MD)

I'm a victim of identity theft, scam and fraudulent activities that resulted in financial theft during the time period of XXXX XX/XX/XXXX. In XX/XX/XXXX after looking at my credit report I've found out that {$44000.00} loan was fraudulently taken in my name using stolen identity from Upstart. In order to resolve the fraud claim with Upstart, Upstart has requested a letter from the XXXX XXXX XXXX stating that fraudulent activity took place on my bank account. However, XXXX  XXXX XXXX refuses to generate such letter. XXXX XXXX XXXX states that it is internal bank business. Without this latter Upstart refuses to further investigate the case to come up with a resolution. 
Police reports, FTC reports, IC3 ( FBI ) and identity theft reports have been provided to Upstart.

Upstart has information such as phone number and email of the person who opened the account. This information does not belong to me.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

I saw this on my report after making an account to see my credit report. I filed bankruptcy XXXX yrs ago. Just recently got a credit card and saw I have something from a company called XXXX. I should not have any debt I am trying to start over after my bankruptcy I have XXXX XXXX XXXX  card only. Nothing else should be active on my credit report I should have no debt other then XXXX XXXX limit credit card.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (FL)

I am in the process of buying a home. In the process I learned that after settling my Mariner Finance account Mariner was still reporting unfavorable. I settled my Mariner Finance account via a collection agency. I received a letter from the agency stating it was settled as of XX/XX/XXXX. I reached out to the creditor ( Mariner ) on XX/XX/XXXX in effort to have them update the bureau. The young lady that I spoke with on XX/XX/XXXX advised that I dispute with the bureaus. I have disputed this twice last dispute request was in XX/XX/XXXX. Mariner updated with a balance and delinquency that has been settled.