davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX 2015 the contact XXXX and tranunion aboutitems on my report that wasn'tmines. XXXX remove the items and trans union didn'tand i let them know theaccount was paid in full
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The bank sent me a solicitation to open new checking account that would issue a {$200.00} bonus after compliance with several steps. The exclusion listed in XXXX XXXX XXXX was listed as it has to be available only to new customers including holders of the so-called XXXX XXXX accounts. The offer pertains to ING online bank products which CapitalOne acquired several years earlier. The listing pertains only to XXXX XXXX accounts and it does n't mention INC XXXX accounts. When I contacted the bank supervisor about this I was told that my name was on the list although I admitted that I do not qualify for the offer extended to me. He then reaffirm his position that I should apply for the account anyway and that the bank will make an exception to its restriction on case by case basis. When I requested that email be sent to that effect, reaffirming this position, he refused to do so. 
Questions : 1 ) Why Capital One sends offers to people stating that they were pre-selected for the offer while in the same time knowing well they do n't qualify for it? 
2 ) Why the XXXX do not clearly state that ING XXXX accounts held prior are the disqualifying factors putting instead the " XXXX XXXX & gt ; ''
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Experian Employer : XXXX Addresses : 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 Employer XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been disputing the late payments showing on my account for Capital One Auto Fin which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2015-03-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (VA)

I deposited a check in the Citibank Atm on XXXX XXXX, 2014 for the amount of {$1200.00} at XXXX XXXX XXXX XXXX , XXXX Va XXXX. It bounced on XXXX XXXX. The check was from XXXX XXXX from XXXX XXXX XXXX. On XXXX XXXX, 2014 the check was resubmitted to XXXX XXXX XXXX which they claimed to have paid to Citibank on XXXX XXXX, 2014. Citibank is denying they ever received the money/transaction. Citibank ( XXXX the supervisor in the generic call center and XXXX XXXX at the XXXX, Va branch ) refuse to speak to XXXX XXXX XXXX to find out who has stolen the money. 

I had the Major Financial Crimes Division of XXXX County investigate this. In doing so, they went through camera footage at Citibank, my account as well as speaking with XXXX XXXX XXXX. The conclusion was that I did not cash that check at any time and it was never deposited into my account. 

There is a long back story as to who bounced the check on me and the dead ends I have encountered from government sources. Citibank blatantly refused to discuss who stole my money to XXXX XXXX XXXX. 
PLease help me force these XXXX banks to do their job and return my money to my account!!
Consumer complaint received 2023-03-30
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$860.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

I received a student loan from XXXX XXXX which now go by the name Navient and I have been XXXX and Have lost a large portion of my income. Navient has called me at my employer multiple times, called me after XXXX at night on multiple occasions used intimidation tactics and threats in an attempt to collect debt.
Consumer complaint received 2022-07-19
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. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  Employer : XXXX Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CSO Financial (WA)

XXXX threatened to seize my assetts and garnish my wages, when I said a judge would allow payments life I was offering to make she said they 'd garnish and seize without it going to court. She said they 'd just take my income since they know where I work. She lied about calling XXXX I told her that has n't been my number for years, she said she 'd left a message. I told her I could prove it was n't my number for years. She told me they would n't agree to payments but we 're going to proceed in garnishing my wages
Consumer complaint received 2022-08-24
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, GA XXXX Collecon : XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  GA XXXX
Consumer complaint received 2023-03-30
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. (NJ)

I have ask that my credit profile be updated with the removal of the XXXX XXXX  account for the following reasons. 
1. the account is no longer an active account and has been closed since 2018
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Notice for Proof of Claim Account : XXXX  ACCT # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Eleven years ago I lost my job then had a problem with identity theft. I explained the situation to MBNA/Bank of America. I asked to use the insurance that I paid for and they told me I did not qualify to use it. Then they told me that since I was only making the minimum payments, they were going to up my APR and my monthly payments. They continued to increase these till my monthly payments were over {$2000.00}. I closed the account in XXXX, but continued to try to make some form of payment until XXXX. They continued to add interest after the acount was closed. They called me again in XXXX XXXX and threatened me. I told the lady that I did not have the money and it had been over 10 years and they could not continue to harass me. She said " That is not how it works and we can do whatever we want. '' I checked on the statute of limitations in the state of Texas and it is 4 years. They proceeded to write off the debt and file with IRS. This is not legal according to the Fair Debt Collection Act since the debt is way past the statute of limitations ( 4 years ).
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I have send various requests to the Mortage company I have requested a forbearance and also a modifcation. Both were not sent to the Bank and dis not get a response. I want to negociate to keep my home I have gotten no resolutions. I was provided with three resoluitons 1 ) pay up 2 ) Quick Sale 3 ) title in lieu 40 moving amount All were not properly explained.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates wereXX/XX/2020,XX/XX/2020, XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

My mother has a credit card with capital one and I have been an authorized user for years. When I go to view my credit report XXXX has my capital one card information as well as the card I'm an authorized user on however XXXX does not. I contacted XXXX and was told to call Capital one. My mom called capital one and was told that nothing has changed on their end. I'm still in the system as an authorized user and I needed to contact XXXX. 

My mothers name is XXXX XXXX XXXX .The account was opened XX/XX/2010 and has a balance of {$2100.00}.
Consumer complaint received 2015-08-07
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Earnest Inc. (CA)

Dear Madame/Sir : I am writing to you in regards to a recent student loan refinance application I submitted to Earnest Operations, LLC, XXXX XXXX XXXX, XXXX XXXX, CA. XXXX NMLS # XXXX, operating at the following internet address : www.XXXX.com. 

I submitted an application on their website on XXXX XXXX, 2015, and uploaded all required information and additional documents to refinance the current balance of my student loans ( $ XXXX ) and lower my current interest rate from 7 % to what XXXX is currently offering ( 1.90 % ) for a variable rate. 

I received an email from " XXXX '' who advised me to explain why I had taken out a $ XXXX loan with XXXX XXXX in XXXX 2015. I responded that I was considering investing in rental property, but had recently changed my mind and decided to focus on paying off my student loan before investing. XXXX XXXX, 2015, I provided proof by uploading a copy of the statement showing that this loan was paid in full. 

On XXXX XXXX, 2015, I woke up to an email stating that I my loan request was denied, and the reason was due to " high debt to income ratio, '' which is inaccurate. I believe I am more than qualified. 

Other than my mortgage payment of {$1500.00} per month and the student loan, I do not have any debt. I pay off all credit cards in full each month. I make $ XXXX annually and have been employed with the City of XXXX XXXX for XXXX years. I am a career employee with stable income, I have an excellent credit history with high credit scores, averaging in the XXXX 's, and I have substantial savings and investments. 

Earnest ' reason for the denial of my application is unsubstantiated. The matter I would like for you to investigate is that during the application process I was required to upload a copy of my California Driver 's License. I am a XXXX male, and all things being equal, I do not believe my " white '' counterpart would have been denied. This was the first time I had to show identification for credit over the internet. Therefore, I humbly request you to investigate this matter and determine if Earnest Operations, LLC, is violating the Federal Equal Opportunity Act. 

On XXXX XXXX, 2015, I called and spoke to " XXXX '' a customer service representative. He advised me ( without retrieving my application information ) that there is no reconsideration. The decision made is final unless something has changed, and that there is no one else I could speak with. He was very casual and unprofessional. He advised that they do not have the " bandwith '' to allow me to discuss their conclusions that I have " high debt to income ''. The telephone call had a very weird feeling to it. His attitude was the decision is what it is and that 's final. He was very unprofessional and uncourteous. 



In conclusion, I have recently taken a closer look at their website and all of the photos are of XXXX people, mostly listed as attending XXXX XXXX type colleges. 

I believe that I have been the victim of XXXX. Please investigate this company.
Consumer complaint received 2015-11-25
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: SLM CORPORATION (FL)

XXXX UNIVERSITY my loan rate is XXXX percent variable..I think that is excessive to the point of criminal and they gave me variable instead of fixed so you know in the years to come with rates having to move up I will get killed ... ....
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

{$5900.00} owed for fee/other has showed up again on Ocwen Loan Servicing 's web-site. This is the third time in the last year. They have removed this XXXX other times. I am in the process of refinancing my mortgage and I believe that they are going to try to collect this amount in the pay-off. This amount is not in their pay-off quote and has never appeared in any statement. This is my XXXX complaint. Do I have to go to the AZ Attorney General?