davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
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: TD BANK US HOLDING COMPANY (IL)

I sent a letter certified mail dated XX/XX/XXXX to XXXX XXXX XXXXCredit disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. The letter was received onXX/XX/XXXX. I pulled my credit report from XXXX datedXX/XX/XXXX. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I pulled my XXXX   report again on XX/XX/XXXXand my account was not marked in dispute by XXXX XXXX XXXX. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account onXX/XX/XXXX and all three credit bureaus reported the late payments were valid, and my account was not marked in dispute. I received a letter from XXXX XXXX XXXX   dated XX/XX/XXXX that had a statement fromXX/XX/XXXX. I never requested the statement only validation of the late payments. XXXX XXXX XXXX has violated section 623 ( a ) ( 3 ) of the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting all late payments be removed. Please see attachments for all correspondence.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

Early this morning around XXXX am I paid my bills online. I then went to purchase dressers on XXXX website, I 'm a XXXX veteran and I finally saved enough money to get a Dresser. So to my surprised it was declined, I went to call XXXX because I knew I had funds in my account. The lady I dealt, XXXX with was very condescending and did not do her job correctly. Her manager is XXXX XXXX. I have gone without furniture in my place for over a year so obviously I 'm upset that I am not able to use my own money. I sent an email to the company about the incident, I get an email back. I thought maybe it had to do in regards to that. Nope it was a the security check that they had to take off my account which she did not do which brought another decline to the same order. Not once, but several times. I get it, I 'm a veteran and I have the premier account. I do n't have XXXX dollars in my account and obviously they treated me differently than a wealthy person. I lost out on some money several times using coupons not able to be used again for my purchasers. I do n't have much funds so whenever I find a deal I have to jump on it. This definitely agitated my XXXX dealing with this character and the lack of response to my money and embarrassment of being rejected several times at the same company.
Consumer complaint received 2022-07-24
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Maximus Federal Services, Inc. (TX)

Please stop calling my relatives and friends about my student loans. I need them combined and help with them. I was granted forbearance and they still said I was late in 2018 and are ruining my credit. I need all the old accounts off!! They are 20+ years old, I need the 3 that have balances to be combined. I need help paying them off, Covid hit my family hard and I can not afford to pay them.
Consumer complaint received 2022-09-27
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. (NY)

To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-11-19
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. (OR)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


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  Balance : {$17000.00}
Consumer complaint received 2021-03-16
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. (AL)

In XXXX I sent a certified letter asking the credit bureaus to remove these inaccurate accounts from my credit report that are hurting my ability to acquire credit. Now it's been over two months later and I still havent seen any results nor any response. By now, I'm just demanding that these accounts be removed from my credit report. I tried being patient and I'm upset that it would even come to this
Consumer complaint received 2024-12-04
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: CITIBANK, N.A. (CA)

After reviewing my early warning report.I noticed negative reporting from Citibank, I'm not familiar with. I sent a dispute to XXXX XXXX XXXX, asking for validation of the negative accounts being reported. In response, they sent a letter indicating the accounts were accurate, complete and was verified. However, I did not receive any of the documents I requested to verify and validate the debt and or negative accounts belong to me. 
CITIBANK CALIFORNIA Account Number ( XXXX ) : XXXX CITIBANK CALIFORNIA Account Number ( XXXX ) XXXX CITIBANK CALIFORNIA Account Number XXXX According to the FCRA 2. Right to Dispute Inaccuracies Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days.

3. Notification of Dispute Results Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 

XXXX  violated by consumer rights according to the laws listed above by not providing written response detailing the results of the investigation and providing documents used to validate the debt.Please find attached all disputes sent to XXXX  and their response.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to formally file a complaint against XXXX XXXX XXXX and XXXX  XXXX XXXX regarding unauthorized hard -off and a collection account by [ Collection Agency Name ] that I believeinquiries and incorrect charge-off account on my credit report. On XX/XX/year>, and XX/XX/year>, hard inquiries were reported on my credit file without my knowledge or authorization. These unauthorized inquiries have adversely impacted my credit score and subsequently led to the denial of future loan applications. 

Additionally, my credit report reflects a few charge off to be inaccurate. I did not default on the account that was charged off, nor have I received any proper notification regarding the collection account. These errors are further harming my credit standing and do not accurately represent my financial history or payment behavior. 

Upon discovering these issues, I promptly contacted XXXX, Equifax and XXXX credit bureau to request the removal of the unauthorized inquiries, incorrect charge-off, and the inaccurate collection account. Despite my efforts and clear communication that these were not authorized or accurate, all parties refused to take corrective action. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of reported information and requires that inquiries be authorized by the consumer. 

The unauthorized inquiries, incorrect charge-off, and inaccurate collection account have caused significant harm to my financial standing. Their removal is essential to restoring my creditworthiness. I respectfully request the Consumer Financial Protection Bureaus intervention to investigate this matter and enforce the immediate removal of these items from my credit report.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

In XX/XX/XXXX, I lost my job and was unable to make payments on my Kohl 's /Capital One charge card. Kohl 's turn the account over to a collection company called XXXX XXXX XXXX XXXX XXXX who offered me a Settlement Offer. I accepted the offer and paid the agreed amount to XXXX XXXX XXXX who removed their negative remark from my credit reports. I then contacted Kohl 's to see if their negative remarks could be removed from my credit report in which they refused to remove, they sated that the negative remark would remain on my credit report for 7 years from the last payment made, which was in XX/XX/XXXX. 

Recently, I reviewed my credit report and noticed that Kohl's/Capital One had placed a date of XX/XX/XXXX as the last payment made on this account. I wrote a letter dated XX/XX/XXXX ( attached ) to Kohl 's stating the facts and they have not responded. 

I then called Kohl 's on XX/XX/XXXX and spoke with employee # XXXX who was unwilling to help with this matter and then hung up on me before a resolution could be made. 

Kohl's/Capital One is in violation of the Fair Credit Reporting Act ( FCRA ) by using the date of XX/XX/XXXX that I paid the collection agency as the last payment made in lieu of the actual date of XX/XX/XXXX in order to keep their negative remarks on my credit reports.
Consumer complaint received 2021-05-26
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: Experian Information Solutions Inc. (AL)

Clarity Consumers subsidiaries of Experian all of the stuff I the report that obtained is XXXX  and is there anyway to request for this company to not report or keep information about you?
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I started a dispute with Experian regarding a dispute with XXXX XXXX XX/XX/2021. I paid my lease on time and handed the car back. I showed proof to both XXXX and Experian that my car was returned and the loan was satisfied. 7 months later I was billed the disposition fee which I included the dated bill and proof to both companies. The not only did they not correct it but destroyed my car buying credit. I have sent multiple request to correct this since XX/XX/2021. Please help They noted I was late from the time the car was returned, up until the disposition fee
Consumer complaint received 2023-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates sending my letters and calling me about old debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I try to fix this issue by dispute and try to negotiate instead they threaten me to take legal action if I dont pay them this debt. Please stop threatening me and remove this collection from my report due their debt collection practices and not validating this debt on time under the law FCRA regulations and requirements.
Consumer complaint received 2021-03-17
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: Experian Information Solutions Inc. (IN)

It is my understanding due to the pandemic that one is supposed to get their credit reports once a week free till XXXX, 2022. 

I tried to get my credit report from Experian and was not able to get it. They were trying to get me to purchase their credit services for " {$24.00} a month. I do not want their over-priced service. 

`I was able to get my credit score but I never received my credit report. 

I tried to get my credit report, earlier from XXXX They wanted me to send them documents.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (GA)

I am a secondary borrower for this mortgage loan. I co-signed with my sister. My sister filed XXXX XXXX Bankruptcy in 2016. This mortgage is under her bankruptcy. The mortgage will not stop reporting this account as delinquent on my credit report. I would like for them to stop reporting erroneous information. They are also utilizing bullying tactics
Consumer complaint received 2022-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

XXXX loans serviced by Mr. Cooper claim our hazard insurance and taxes = {$17000.00} for the year XXXX, when actually they = {$5900.00}. Our familys mortgage payment will more than double due to this error in less than two months! 

Detailed timeline and facts below and escrow analysis attached. 

XX/XX/XXXX I electronically deposited XXXX XXXX XXXX. refund of {$1500.00} in XXXX XXXX escrow account. 

XX/XX/XXXX I received written notice via XXXX from XXXX XXXX serviced by Mr. Cooper regarding new escrow analysis completed on XX/XX/XXXX, increasing my current mortgage payment another of {$1300.00} effective XX/XX/XXXX. 

XX/XX/XXXX Before XXXX. received and electronically deposited XXXX refund of {$1500.00} to my checking account. The check cleared in my bank after COB on XX/XX/XXXX. 

XX/XX/XXXX Mr. Cooper XXXX & XXXX. Department and I contacted XXXX XXXX via a 3-way phone call, requesting unused premium refund ASAP. They assured me they would mail it that day. Policy was canceled XX/XX/XXXX. 

Total mortgage payment increase after XXXX escrow analysis XX/XX/XXXX through XX/XX/XXXX = {$1500.00}! 

XX/XX/XXXX I contacted XXXX XXXX serviced by Mr. Cooper because the newest Hazard Ins. company ( XXXX ) overcharged us by {$5800.00}. We were unable to reach XXXX XXXX my phone, e-mail, or help portal on website. 

XX/XX/XXXX Mr. Cooper indicated escrow shortage of {$11000.00} increasing our mortgage payments from {$1000.00} in XX/XX/XXXX to {$2500.00} effective XX/XX/XXXX. 

The difference they will be overcharging us = {$11000.00} beginning in XXXX of this year! 

Total increase XXXX through XX/XX/XXXX = {$190.00}! 

XX/XX/XXXX mortgage increased another {$43.00} due to 2nd escrow analysis. 

XX/XX/XXXX mortgage increased {$150.00} due to XXXX XXXX XXXX. payment from escrow. 

XX/XX/XXXX & XX/XX/XXXX {$2800.00} XXXX XXXX XXXX annual premium paid through Mr. Cooper escrow account. 

XX/XX/XXXX & XX/XX/XXXX Annual hazard insurance paid and reimbursed {$3000.00} when XXXX went bankrupt. The insurance advance should have not be calculated in escrow analysis.
Consumer complaint received 2023-05-17
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. (MI)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-10-23
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: Experian Information Solutions Inc. (VA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, I placed a stop payment order on a check on the same day it was written from my Bank of America Account. 

I canceled a {$750.00} order ( prior to delivery and service ) and after alerting the service provide that I was canceling, I also placed a stop payment on the check ( just in case ). 

Bank of America charged a {$30.00} stop payment fee, and the check did not go through. 

A {$200.00} dollar check that was authorized for the same merchant did go through - this was the correct action. 

9 days later on XX/XX/XXXX, I saw a transaction for {$750.00} on my Bank of America account. 
I called the fraud department and alerted them to the unauthorized charge, and they informed me it was authorized by Bank of America. I was unable to report it as suspicious activity and was told I would have to call another department.
Consumer complaint received 2021-05-26
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: Army and Air Force Exchange Service (AL)

On XX/XX/2021 I pulled my credit report and I sent my first round of letter to the three credit bureau to validate the date on my Military Star Card. I got no response. XX/XX/2021 I pulled my credit report again sending second round of letters to the three credit bureau with evidence to delete the account per FCRA regulation of reporting accurate information the bureau only updated the account. XX/XX/2021 I sent a letter to Military Star the creditor who didn't make any updates. On XX/XX/2021 I sent another letter with evidence to the bureau but got and update not deletion of inaccurate information. Today XX/XX/2021 I pulled my credit report and the bureaus are still reporting inaccurate information.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (SC)

AWA Collections is trying to collect a debt that i have no knowledge of. I sent AWA Collections a debt validation letter XX/XX/XXXX asking them for the following : proof that they are licensed to collect debt in the my state, Proof that they have legal right to collect this debt, meaning, they have the proper assignment of debt from the original creditor, a complete payment history, the requirement of which has been established by XXXX XXXX  XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX, The agreement that bears the signature of the contract stating I'm the debtor agreeing to pay the creditor, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ) - Information relating to the purchase of the debt, Provide me a breakdown of fees including how they calculated what they claim I owe. AWA Collections has yet to send me any of the items mentioned, yet on XX/XX/XXXX AWA Collections sent me what they say is a " Ledger History '' ( see attachment ). this is not sufficient validation. I do not owe this debt. This debt is deficient of physical verifiable validation. They are reporting this debt to all three credit bureaus which is hurting my reputation. If AWA Collections does not have this collection account removed from my all three of my credit reports i will file litigation against AWA for violation of the FDCPA, file compliant with the Attorney General of my state, and file compliant with the XXXX
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

We had to go through a XXXX XXXX bankruptcy in XXXX. Since then, all 3 credit reporting agencies have reported my XXXX XXXX XXXX serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current. 

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency XXXX Experian only once XXXX and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.