davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

During the covid 19 shut down the government failed America by cutting pandemic relief for failing to negotiate like professionals. In XX/XX/2020. I reached out to capital one for assistance because due to loss of unemployment relief income I could not make my full car payment. Which I was paying as agreed with no issues prior to 100 % reduction in my income. As mentioned in The Cares act, I made arrangements to stay current with Capital One Auto in advance. 

They put me on a deferment. I paid every payment as agreed but they still reported the agreement as past due 4 times on my credit. This is now preventing me from qualifying to rent another home and I will now be homeless due to them not following the guidelines in CARE ACT. 

The CARES Act places special requirements on companies that report your payment information to credit reporting agencies. These requirements apply if you are affected by the coronavirus pandemic and if your lender gives you an accommodation to defer a payment, make partial payments, forbear a delinquency, modify a loan, or other relief lender should report payment as paid as agreed!
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent in dispute request to Transunion XX/XX/2022. I then received a letter dated XXXX XXXX, stating the would not process my dispute because it " didn't appear '' that I sent it in or a properly authorized party sent it. I sent the letter along with my Driver 's License, identifying who I was, in addition to a picture of my actual social number as an added layer of protection. This is definitely a stall tactic and as per the FCRA, Section XXXX ( a ) ( XXXX ), the company has 30 days to investigate. The company has no control over me should I want to hire a credit XXXX to find the blatant fraudulent attempts they are responsible for.
Consumer complaint received 2021-06-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital one was my lien holder for my auto purchase last year, through them I purchased gap coverage as well. On XX/XX/2021 I was in an accident that was a total loss of the vehicle my insurance already paid out their portion capital one sent all the paper work to my gap provider around XX/XX/2021. On XX/XX/2021 I started getting calls from capital one threatening to put the remaining balance against my husbands and my credit stating all payments from insurance had already been processed and I owe the remained. That day I was able to get the gap company ( XXXX XXXX XXXX ) number only to find out they had the file but never even started to process the claim. Since then I have gotten 3-4 calls a week from capital one threatening to put the remained against my credit even though I had told them the gap claim is still being processed. As of XX/XX/2021 XXXX XXXX XXXX is still giving me the run around and making excuses saying they are still reviewing the claim. Capital one has locked me out of any automated support for even my credit cards which are up to date. I just dont know what to do at this point nor do I think it is right that the first time in my life I have ever needed to use gap coverage that they can just refuse to pay for this long even though I paid for the service and have been charged interest on it.
Consumer complaint received 2022-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WSFS FINANCIAL CORPORATION (WI)

first, you have to ask whether the mortgage is privately held or if it has been securitized, meaning, sold on XXXX XXXX .this mortgage has been sold or transferred from lender to lender. this mortgage is securitized, this means the note have been converted into stocks. investors buy the stocks mortgage back, or mortgage pass through securities or remic 's from the trust. the lender bank gets paid in full for the amount lent to me in my mortgage or deed usually at closing. the note is a documented and legally binding promise to pay, but in effect is an asset { negotiable instrument of value } that i own. the promise to pay, or promissory note is whats sold to an investment trust through securitization. this is what makes the mortgage note my property, not the banks.
Consumer complaint received 2021-06-29
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. (MD)

Accounts on my credit report have been paid in full and or satisfied. The accounts are still showing as open with balances against them. The items were disputed over 60 days ago and there has been no resolution or notice from the 3 credit Bureaus. They contend that there are still balances on these accounts which is inaccurate. The loan was shared with me and a ex-partner.
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (OH)

I HAVE MADE A NUMBER OF ATTEMPTS FOR EQUIFAX TO REMOVE A ERROR ON MY REPORT OVER A YEAR AGO, AND THEY REFUSE TO REMOVE THE ERROR. I DISPUTED A BANKRUPTCY AND A NUMBER OF ACCOUNTS ALSO INQUIRIES ON MY EQUIFAX CREDIT REPORT AND THEY DIDNT INVESTIGATE THE ERRORS, THE BANKRUPTCY CASE # XXXX I AHVE DISPUTED WITH EQUIFAX AND THEY TOLD ME IT WAS VERIFIED BY XXXX, WELL XXXX FOR THE PASS YEAR SENT ME LETTERS SHOWN ME THAT THEY REPORTED THIS AS A ERROR TO EQUIFAX MORE THEN 7 TIMES, EVERYTIME I DISPUTE THE ERROR EQUIFAX TELL ME THEY VERIFEID THIS WITH XXXX WELL THIS CANT BE TRUE XXXX SENT EQUIFAX LETTERS TO REMOVE THIS BANKRUPTCY AND YET EQUIFAX HAS NOT ALSO ACCOUNTS AND INQURIES. 

Bankruptcy # XXXX ( NEED TO BE REMOVED DUE TO ERROR XXXX HAS CONTACTED EQUIFAX A NUMBER OF TIMES TO REMOVETHIS BANKRUPTCY ) XXXX XXXX  ( OPEN, NEVER LATE, XXXX BALANCE THIS ACCOUNT IS ACTIVE NOT CLOSED ) THIS ACCOUNT SHOULDNT BE REMOVED BUT UPDATED XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS, ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT, XXXX XXXX XXXX ( REMOVE DUE TO ERROR ) BALANCE, DATE OPEN, DATE CLOED, STATUS. ACCOUNT NUMBER, REMAINING BALANCE, LAST PAYMENT,
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (IL)

On XX/XX/2021, the attached dispute was sent to LexisNexis. USPS receipts indicate the dispute was delivered on XX/XX/2021. To date, no response has been received from LexisNexis. Despite this, the public record in question remains on my 3 major credit reports and LexisNexis report. I have attempted to dispute the record in question with the credit reporting agencies ( XXXX XXXX, and XXXX ), however they have stated in writing on several occasions that they were able to verify the record despite my LexisNexis report being frozen at the time. This would also mean LexisNexis continues to provide my information despite the freeze existing which supposedly legally bars them from doing so.
Consumer complaint received 2021-06-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Town Square Mortgage & Investments, LLC (TX)

I lost my earnest money of {$2500.00}, due to negligence of the staffs communication. I did everything I was asked of. I provided all documents in a timely manner ; within hours if not minutes. I was told my file was in underwriting when it was not, according to my app status. The sellers team tried reaching out to TSM several times with no response. No one worked on my file while XXXX XXXX, Loan Originator, was out sick. Which pushed back the original closing date from XX/XX/XXXX to XX/XX/XXXX. Furthermore, I was now past the timeframe to get my earnest money back in case something did not go through. On XX/XX/XXXX XXXX told me that I needed $ XXXX for closing cost. It was one business day before closing and he and the staff at TSM did not send my file to downpayment assistance ( DPA ) like they should have. This would have covered the cost of the closing cost. They still had my file in underwriting review on XX/XX/XXXX despite them telling the sellers that it was going to be out on XX/XX/XXXX ( see attached emails ). They never sent my file to DPA because they did not work it in time and there was no time left for them to send it and close on XX/XX/XXXX. Even if I may have not qualified, my file should have been sent to DPA prior to XX/XX/XXXX ( the original closing date ). My offer was accepted back in XX/XX/XXXX. There was plenty of time for my file to be worked in a timely manner. There are several emails from me and the sellers team requesting updates and me asking what else was needed to be done. In addition to the {$2500.00}, I lost out on {$1000.00} ; that includes the inspection and appraisal. I am requesting my earnest money back {$2500.00} and {$1000.00} due to the lack of communication and work effort from TSM. I have emails proving that my file was not being worked while XXXX was out sick. I spoke with XXXX XXXX XX/XX/XXXX and was told that I would receive my money back, but only to find out he is no longer there and have not heard from him. I than tried to speak with XXXX XXXX ( Branch Manager Sr. Loan Originator ) about retaining my earnest money back and I have yet to hear back from her since XX/XX/XXXX.
Consumer complaint received 2021-06-29
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: FORD MOTOR CREDIT CO. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-10-12
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. (IL)

XXXX XXXX XXXX is reporting a fraudulent account on my credit report., see attachment. I disputed this account multiple times with the credit bureaus and with XXXX XXXX XXXX but the credit card company still reporting this fraudulent account. I asked TransUnion to verify this account for me and they havent verify it either.
Consumer complaint received 2021-06-29
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. (NV)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

XXXX  and XXXX  were unable to VERIFY this account and REMOVED it from my consumer report, so it is impossible that you have verified this account. This account is inaccurate. TRANSUNION is only reporting this account to my consumer report. You have multiple violations.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed immediately
Consumer complaint received 2021-06-29
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: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MO)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (MO)

I signed up for a CITI credit card in XXXX and still have the card active now in XXXX. At the beginning of the year I was given a spending summary that showed my spending habits, where I noticed an " other '' option, with a substantial amount of charges all towards the same thing " payment safeguard ''. I had seen this on my bill in the past, but always assumed it was a standard credit card fee. 

After doing some research, I found out this is an optional fee, and that CITI had lost a lawsuit against them in XXXX for misleading customers and signing people up for this " service '' without them knowing. I called CITI and was directed to talk to payment safeguard. The woman I spoke with was very nice, I explained the situation, she said she would cancel it for me and even mentioned reimbursement for the fees I had unknowingly acquired over the years. She said I would hear back from CITI. Weeks passed, and I heard nothing, I called again, was told to wait a few days. Weeks passed, and I heard nothing. I called again, talked online, was transferred here and there, at one point was told there was a pending refund on my account and to wait ... ..essentially I was given the runaround. 

My initial call took place in XX/XX/XXXX. In XXXX, I received a letter stating that my account had been open for too long so I would not be receiving any reimbursement. Once again I called CITI, got the runaround, was told it was Payment Safeguard I needed to speak with, that it was being investigated, etc. etc. I opened a case with the XXXX. Today, I received a call from a " citi executive '' stating they would be declining my request. I asked if she could confirm I ever signed up for the service, she could not. I asked how it was acceptable to charge people for something they did not sign up for, and she essentially told me that was my responsibility to dispute it. 

I mentioned that is what I was/am doing, seeing how I never signed up for the service and just recently found out that it was not a standard fee. She said she understood my frustration but would not be issuing any reimbursement. I mentioned the lawsuit and how it was terrible business practice to mislead loyal customers, customers who have used their services for over 16 years, she said she is sorry I feel that way and quickly got off the phone.
Consumer complaint received 2021-06-29
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. (FL)

I XXXX XXXX, sent a letter on XX/XX/2021 regarding to an inaccurate and unknown items on my credit report. I feel like I'm being taken advantage of and being ignored by my disputes. FCRA Section 611 ( A ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been 30 days since then so they should be deleted promptly. I demand these accounts to be deleted immediately as they are causing me stress. I have attached a certified receipt as a proof that they have received my letters and my ID as a validity of my Identification.. This report is possibly to all the credit bureaus.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

Please be advised I have requested validation { not verification } of an item reported to you by Transworld Systems. I have received a response that clearly violates my rights according to HIPAA. 

Transworld Systems Inc did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I have received a copy of my credit report by my mortgage lender and it shows that this account is in collections. I have never received a phone call, a letter or any information of validation of debt. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Provide a copy of my signature with the provider of service to release my medical information to you. This is the last opportunity I will give before filing a HIPAA complaint to HHS.gov and taking this case to my state attorney.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/XXXX Experian Business Credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on XXXX contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I have sent certified letters to dispute inaccurate information reporting to my credit report. The credit bureaus continue to ignore my request to remove this record and states that the account meets FCRA requirements, however, will not supply information as to how they are verifying this public record. I have contacted the bankruptcy courts who have confirmed that they do not verify any information with he credit bureaus. This is reporting in error and could be a case of mistaken identity.