davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Innovate Managed Holdings, LLC (TN)

Each credit bureaus are showing several inaccurate information, one credit has even falsify the payment history. I have mailed a certified letter asking to validate the account but the letter was returned to me but I got letters saying that it was validate and if I had any additional question reach out to the company. The same address I used for the certified letter is the same address that was given to me. I have also submitted the tracking information but nothing has been done.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO 3rd party. I never gave these company any written consent to report anything on my consumer report. Please see attached documentation.
Consumer complaint received 2022-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all 3 credit bureaus. I have reached out to XXXX, XXXX XXXX, and Experian regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to XXXXXXXX XXXX. I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( 30-day late payment ). I've spoken with 2 supervisors and several customer service reps in XXXX credit card department on several different occasions regarding the issue. XXXX advised that letters were sent to all 3 bureaus to have the discrepancies removed. After speaking with XXXX XXXX on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. I called XXXX on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the 4th attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under 2 years old.
Consumer complaint received 2024-10-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (PA)

I have applied for XXXX  during pandemic and to date I have 140 qualifying payments. I have provided work history from XXXX and it still hasn't been reflected. When the loan was serviced by Mohela, I had a record of 111 certified payments, however, the tracker skipped two years ( XXXX ) in the payment count. This inaccuracy has cause my student loan forgiveness to stall. There were at least 12 payment missing which would put me at least 132 payment. this discrepancy was not addressed before Mohela was transitioned to XXXX XXXX. Now my payment history and verified documents were lost in the transition.
Consumer complaint received 2022-01-14
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. (TX)

I wrote the credit bureau on XX/XX/2021 about inaccurate accounts on my credit report and they did not respond within 30 days. I even gave them 15 days extra time and they still have not responded to my dispute. The inaccurate accounts are still reporting the same on my credit report, so they also did not conduct an investigation into my dispute. The FTC website says that according to the FCRA if the credit bureaus don't respond within 30 days they have to delete the accounts. I'm requesting these accounts be removed from my credit report immediately because they violated the FCRA by not responding and not conducting a proper investigation.
Consumer complaint received 2023-02-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pacific Rim Alliance Corporation (CA)

XXXX XXXX XXXX is attempting to collect a debt that I do not owe them. They illegally purchased my information from CHECKMATE. Further more they are reporting this false information to all 3 credit bureaus. I have no contract with XXXX XXXX XXXX them and CHECKMATE are in violation of 15 usc 1681 and 15 usc 1692.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had numerous fraudulent charges on one of my checking accounts. The first time it happened in XXXX & XXXX of XXXX Bank of America reimbursed the funds & sent me a new card. However, then the same charges happened again in XXXX, XXXX & XXXX of XXXX plus numerous others. I disputed these charges as well. The bank initially refunded my money. Then in XXXX of XXXX they sent me a letter retracting their previous decision and took my money away. I then was told to fax a dispute letter if I wanted the claim reopened. Which I did ; 4 times!!! They finally confirmed receipt of the letter in XX/XX/XXXX and told me it would be 60 days and they would have a resolution for me. I called back in XX/XX/XXXX and was told my claim hadnt even been looked at! I was then told they would escalate the request and Id receive a resolution within 30 days. I have received nothing! I contacted the claims department today, XX/XX/XXXX and they tell me that my claim was closed and the resolution was sent in XXXX. I asked what the resolution was and they told me that because I didnt file my fraud claim sooner it was not valid. Bank of America refuses to provide me with information proving the charges are not fraud & the refuse to look at my claims any further. Ive lost {$140.00} and the bank just has their representatives tell me Sorry. This is unprofessional & ridiculous! I feel like Ive been violated & the bank does not want to protect their customers.
Consumer complaint received 2022-07-08
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. (GA)

I, XXXX XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
Consumer complaint received 2022-01-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

To my understanding, there is a total of 14 months forbearance for mortgage assistance. 

I applied for the COVID19 forbearance XX/XX/XXXX for a period of 3 months ( XXXX, XXXX, XXXX ) and I resumed making payments ( XX/XX/XXXX ) after that time, as the automated line on the mortgage payment website stated that my forbearance period has ended. 

Well XX/XX/XXXX, due to slow work, I called to apply for the forbearance program and I was informed that I had exhausted 13 months of forbearance and that any forbearance at this point would end XX/XX/XXXX. I proceed to inform them that I had only used 3 months of a 14 month program. They proceeded to tell me that I was " Automatically '' enrolled into the program as of XX/XX/XXXX, then very rudely told me that I should have received a letter and that I should have read the fine print. I told the agent that this is totally unacceptable to do this on my behalf without knowledge. 
By banking industry standards, banks are prohibited to enroll patrons into programs without their knowledge and I believe my rights have been violated, as I was just recently kicked off of the covid forbearance. I made this complaint several times in XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Initially I was told back in XXXX that this was under investigation, however, when I call and spoke with XXXX XXXX XXXX my case had not been assigned since XXXX of last year. 
I expressed that this is not being transparent and this violates my rights.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'm going to keep it very simple and say that due to Capital One closing my account without my written expressed consent, my rights as the original creditor have been utterly violated. I received several emails that attempted to coerce me into paying on a debt that is not mine. As a result of this unwanted closure, I have had severe difficulty maintaining my basic everyday needs. This is ridiculous and not okay to have me, the natural person ( original creditor ), suffer the way I have been experiencing. This company has committed aggravated identity theft by assuming they can act on my behalf without my written expressed consent. Emails are the only correspondence that I have record of Capital One harassing me with attempts to collect on an alleged debt. The way this company has made my life a living XXXX with how they have attacked me and violated my natural God-given rights is asinine. This must stop now.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (MN)

This company is intentionally misleading with advertising, and also wants money upfront, which I have since learned is illegal. I thought I was paying XXXX for a whole year due to their misleading advertising, not monthly. I have lost over a grand on them for doing very little for my credit! I would have NEVER engaged in services if I thought I would be paying this much monthly. I am already poor, working multiple jobs ( or at least attempting to ) and am chronically ill. This was supposed to help me, not steal a ton of my money. This company does not care that they are scamming you or stealing from you. They have no interest in trying to work with you, and will avoid a refund at all costs. I want 1, XXXX dollars back, what I have paid since the first bill of XXXX ( 1, XXXX total ) since starting the service on XX/XX/2021. They will not even address refunding and avoid the subject. They don't care. This absolutely disgusts me. I want my money back. They are still planning on even trying to charge me more even after canceling!!!!
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Whom It May Concern, This is a complaint against XXXX XXXX for my frozen checking account with total balance of {$13000.00}. It came to my attention on Monday XX/XX/XXXX at XXXX XXXX XXXX that my checking account number has been frozen without any notice. I made phone call immediately and after being transfer from one department to another nothing was achieved to fix the problem. 

Again, on Monday XX/XX/XXXX at XXXX PM I called to the number provided on my checking account to have the issue fixed and unfreeze my account. After speaking with 9 different representatives, I was passed from one department to another and for twice I transferred to the same initial department when I called at XXXX. 
I told 3 of the representatives they need to make a note on my account as someone needs to call me from the fraud investigation department to unfreeze my checking account immediately. 

I mentioned that XXXX XXXX is very unprofessional as they must informed and contacted me by phone call or written communication that my account has been frozen. I had my checking account since XXXX, and all my transactions runs through this checking account. 

I clarify with the bank that any delay or rejection of payments made by this account that may results in reflection on my credit score or late fees is the responsibility of XXXX, and I look for the reimbursement costs of damages made to me by lack of professionalism and communication from CapitalOne which is against the XXXX banking regulation. 

I informed the representatives that I am recording this call, and I will contact CFPB, if issue does not get resolved within the next 24 hours and follow up from the CapitalOne. 

As of today Thursday XX/XX/XXXX, no phone call, email, or written form of communication has been received. 

I am looking for my total account balance of {$13000.00} to be unfrozen immediately as the frozen funds are affecting my financial situation and basic life needs such as paying loans, credit card payments, rents, purchasing food, medicine, and life necessities. 

I am looking for your help and assistance in this important matter as it is interrupting with my personal and financial life which my results me further losses and inconvenience. 

Thank you,
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I been fighting with this company ( Capital One ) since XX/XX/XXXX they never send me proof saying this is my account ( XXXX ) I now have a charge off account reporting {$200.00} with late payments its stopping me using my credit I'm not able to get anything because of this account, if you can please help removing this off my credit report. 

XXXX XXXX {$200.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Late Payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-01-14
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: Reliable Credit Association, Inc. (OR)

Reliable Credit is reporting a charge off on all my credit reports after selling the account to XXXX XXXX agency. 

They are continuing to report inaccurate and false erroneous information to XXXX, XXXX XXXX XXXX. 

Balances that they reported are inaccurate after selling the debt, dates that supposed information they alleged are all different amongst all XXXX Credit bureaus. 

So much inaccurate reporting that is against the law and the guidelines with the FCRA.
Consumer complaint received 2022-01-14
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 (MI)

I have been disputing the late payments showing on my account for Capital One Bank USA N 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. 
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Consumer complaint received 2022-01-13
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. (TX)

In XXXX of 2021, I reached out to the credit reporting Agency, Equifax, because I saw several items on my credit report that I did not give them permission to furnish. I received adverse action letters from banks stating that the bank pulled information from Equifax and due to the information that was on the report, they chose not to extend credit to me. 

I contacted Equifax in XXXX about the information on the report and I received a notice from Equifax stating I needed to be more specific about what shouldnt be on the report. 

I did not give Equifax any written or oral permission to furnish anything on the credit report ( 15 USC 1681 ) they are giving to banks. 
Equifax is committing fraud! And making it hard for me, the consumer, a natural person, to live a full life.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXXXXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$29000.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. It hasnt been 30 days from payment due to report late payment. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Consumer complaint received 2022-01-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORXXXX 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 2022-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NY)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.