davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (FL)

Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 XXXXXXXX Balance Owed : {$3000.00}
Consumer complaint received 2022-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (GA)

I have 2 collection accounts that are not mines. The XXXX  acct attached does not belong to me Im not sure were they got this from. They say they have a judgement against me but Ive never been served any paperwork. This needs to be removed from all 3 credit bureaus. They are harassing me. 
The other attachment is a XXXX XXXX  that is not mines. Im not sure what this is and does not belong to me. Please remove from all bureaus as this is fraudulent. Ive called both companies with no resolution
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I had an account opened in a large well known Bank in New York, XXXX said I could only have access to it by means of an ATM Card, which I do not have a problem with, but when they decided to send it they suddenly said it had to be insured!! As I had already asked for a copy of the front and back of the card, I noticed there was no three digit code on the rear!! I have never seen a card without this code!! When I questioned them the said it would be given to me together with the pin code upon receipt of the card, which I find unusual but not a real problem, they also said thus was for security purposes!! 
So if this is so why charge insurance?? 
There only answer was that unless I paid I would not receive the card. 
Sorry but I find this intolerable and more like a scam?? 

XXXX XXXX XXXX
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On XXXX XXXX i filed a complaint through you about items on my report. It's been over 30 days and the haven't notified through you about the results and according to FCRA the items must be removed from the report.
Consumer complaint received 2021-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. This debt was paid by my Health Insurance Company after it was sold to collector. The Original Creditor was paid by Health Insurance company.
Consumer complaint received 2023-03-05
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: Rocket Mortgage, LLC (MA)

I was informed by Rocket Mortgage that a soft pull on my credit report will be done. Instead, a hard pull was done which affected my credit score. I am not looking to borrow funds and was looking for rates
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I have over 20 years of credit history and have never missed a payment. In XXXX of XXXX after having moved states I changed my banks. I had a balance on my Lowes credit card which I have had for at least 10 years. I paid this balance to XXXX  before changing banks because I had autopay for the old bank. A few weeks later I returned a few items which created that balance causing a positive balance in my account. I eventually updated my auto pay and a few months later I found that Lowes reported that I missed a payment. After hours on the phone with various Lowes representatives in XX/XX/XXXX I was told there was a 2-day period which I was charged interest on, this did not show until the following billing cycle. I told them that I had a positive balance and they said it was their error and it should not have tried to charge the old autopay and should have taken the fee off the surplus in the account. I was advised that they would adjust my credit reporting, but this has still not happened. We are talking about less than a dollar in interest charges and when I paid the account before changing banks, I clicked on pay in full, plus I had a credit on the account. Can you please help me, this has negatively affected my perfect credit which was over 800.
Consumer complaint received 2022-04-06
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$160000.00} Payment Info Status Paid, was past due 30 days Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX - - - - - - XXXX On Time 30 Days Late NA No Applicable Payment History - Data Unavailable Additional info Responsibility Joint Account Terms Unknown Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX PL XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Is everything correct?
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

Subject : Suppression or delete Code DF Code 13 I would like to request by law the suppression or deletion of the following item : TD AUTO FINANCE. 

READ THE TD AUTO DOCUMENT, THEY ARE FRAUDULENT CHANGING THE NEGATIVE DATE FROM XX/XX/XXXX TO XXXX XXXX  TO EXTNED THE LOAN AND ADD MORE INTEREST. THE SIGNATURES DONT MATCH. 

Reasons : Negative date goes from XXXX XXXX to XXXX XXXX  Balance increase every dispute Balance is stated different on the credit report than TD Auto Finance Statement The final payment [ contract end date ] being due XX/XX/XXXX. Interest should stop by law on the final contract date. 

Debts such as credit card debt, auto loans, and medical debt have a statute of limitations of four years in the state of Georgia. Which mean interest is not allow to be added after final contract date. 

Write-Off Meaning A write-off removes an asset or liability from a companys financial statements. Assets are written off when they become obsolete. Lost inventory, unpaid debt obligation, bad debts, and unpaid receivables are also written off.Which mean TD Auto Finance is Fraudulent writing off and reporting incorrect data to the credit bureau and the IRS on every dispute.
Consumer complaint received 2022-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (GA)

Previously I wrote and asked that Spring Oaks Validate this alleged debt by providing the Original Contract with XXXX XXXX with my signature and they did not! I also asked that they provide a FULL PAYMENT HISTORY of this alleged debt with XXXX XXXX the original creditor and they did not! I did receive some sort of bill in my email as proof of this alleged debt but that is not validation for me. I am unsure the bill is real and from the original creditor XXXX XXXX. And if it was from XXXX XXXX, then why didn't they request the payment history and original contract as well from XXXX XXXX like I asked them to do? What I do know is that this alleged debt is listed as a charge off on my report with XXXX XXXX  and they have written off {$980.00} with the IRS. This means that XXXX XXXX closed the account because the no longer expected to gain any payments on it in the future. This also means my current balance with XXXX XXXX is {$0.00}. So how is it that Spring Oaks Capital is trying to pop up in my life and try to collect {$980.00} from me for this alleged debt? When did I ever have business with Spring Oaks Capital? I did not or do not have any type of business agreement or contract with Spring Oaks capital. I never gave XXXX XXXX permission or any written authorization to share/ release my private information to any third party or collection agency. Title 15 USC 1681 section 602 states I have a " Right to Privacy '' and a creditor needs my written consent to report or share my information with any third party. Therefore, XXXX XXXX has violated my rights when they shared my information with Spring Oaks Capital without my WRITTEN CONSENT. Now Spring Oaks capital is currently in violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties,15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt,15 USC 1692f Unfair Practices attempting to collect an alleged debt and 15 USC 1692b ( 5 ). Therefore, my request is that Spring Oaks Capital stop/cease any and all credit bureau reporting of this alleged debt Permanently, do not transfer or sell this alleged debt, or my personal information to any other collections agencies. And I want a written response to my address above stating that this alleged debt account is closed in their system and will not be transferred or sold again to any agency or I will seek for damages thru a consumer rights attorney. At this point I believe Spring Oaks Capital Owes me about {$3000.00} for all the violations they put me thru and they need to pay me immediately!
Consumer complaint received 2021-02-20
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: Bread Financial Holdings, Inc. (NH)

Today ( XX/XX/XXXX ) I was contacted by Comenity Bank ( XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX ) who were attempting to secure an overdue payment for a Visa card that I had no knowledge of. This card was opened on XX/XX/XXXX by an unknown party and a balance accrued of {$10000.00} as of today. The card was opened by this bank without proper verification of identity resulting in fraud, both by the party opening the account and this bank. I have notified Comenity Bank ( Fraud department ) and they stated ( by phone ) that the account would be closed today for new transactions, and that an investigator would contact me to resolve this within 90 days. I have notified XXXX XXXX and XXXX  of this identity theft. 

My credit score has been compromised by this negligence on behalf of Comenity Bank as they failed to accurately verify the identity and personal information of the individual to whom they issued a credit card. My responsibility for charges made by the party issued the card remains uncertain. I live on the East Coast, the card was issued in XXXX XXXX and travel has not been possible during this time due to the Covid Pandemic. I have not left New England since XXXX.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (GA)

The attachment outlines my complaint. 

Social Finance , Inc . 

There are people who constantly spread unproven accusations ; lies and rumors about me as Sofi are allowing them ; as they falsely justify having financial companies take things that belong to me.
Consumer complaint received 2021-01-23
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. (IA)

On XXXX/XXXX/2020, I disputed multiple fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of character.
Consumer complaint received 2021-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

On XXXX/XXXX/2020, I disputed multiple fdcpa violations on my credit report and TransUnion has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of character.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have submitted several complaint to Transunion. Transunion sent me a response that they deleted this change off on XXXX/XXXX/20. it still has not been removed from my credit file. As well as XXXX  & XXXX  are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification
Consumer complaint received 2021-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I am writing on my own behalf without the help of any outside person. The laws referenced are available to the general public. I am aware that my rights were violated and are continuing to be violated in bad faith. 

NAVIENT is engaging in deceptive and abusive debt collection practices from the inception of the alleged business relationship, violating my consumer right to privacy, and undermining my confidence in the banking system. 

Since the consummation of the credit sale occurred after XX/XX/1977, NAVIENT is subject to consumers ' claims and defenses pursuant to 16 CFR 433.3. 

As defined in 16 CFR 433.1, NAVIENT is a seller subject to consumers ' claims and defenses. When the original credit sale was consummated, I, the consumer, was unaware of the seller 's business arrangement with the creditor, nor given disclosure about the determination of the finance charge along with my right of rescission. Upon review of the master promissory note, I have reason to believe and do so believe that my obligation was settled, leaving me with controlling security interest. 

I am aware that I am entitled to twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being simply and clearly disclosed to me. 

I have reason to believe and do so believe that NAVIENT is a debt collector engaged in communication in violation of multiple cease and desist notices from me, and is in violation of 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ). 

As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' NAVIENT has never received my express consent to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c, generally. 

In light of indirect communication through the consumer reporting agencies after the character, amount, and legal status was in dispute via formal notices of dispute, I am invoking my specified remedy pursuant to 15 U.S. Code 1692c ( c ). 

NAVIENT has violated my cease and desist orders and communicated with relatives without their consent on multiple occasions. NAVIENT has violated 15 U.S. Code 1692e ( 7 ) by making the false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 

NAVIENT has furnished deceptive forms to instill in the consumer the belief in the consumer that a debt is owed, in violation of 15 U.S. Code 1692j. I consider every word that NAVIENT has uttered in connection with debt collection to be obscene and profane language in violation of 15 U.S. Code 1692d ( 2 ).
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

To whom it may concern, more than a week ago, the fraud department closed my bank account for complaining about the mistreatment and abuse towards me on several occasions, they did not let me make bank transfers and they did not pay the checks that I had signed since before they closed my bank account in an abusive way, just as they closed my account, I have called them many times and they have not given me a solution, regardless of the situation I was going through with my husband who recently passed away and even then they did not return my money based on excuses that my business XXXX  had paid me to my account and that was not allowed, and that they would return all the money that XXXX had paid me to date for the last few months, taking advantage of the fact that they have my money in the account since if they did not have that money they would not commit this abuse that has made me lose XXXX of dollars for which I want to file a lawsuit, and contact the right people to sue this area, I went to the bank and found myself They said they would call me the next day and to this day I have no answers, I asked them to return all my earnings to the XXXX company if they wanted to ask them to return that money, but they haven't even done that to this day, I await their answers thank you
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I just looked through my records and do not recall ever having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I asked this mortgage company back in XXXX to not pay an insurance invoice cause the premiums changed and they will get a new one in a week. They sent both out of escrow. So they showed I had 2 insurances on my home. I get an escrow analysis and it says my payments going up XXXX dollars a month. Been calling and on the phone every week for a month to get an answer. After I receive a check from 1 of the insurances and pay it back into escrow, they tell me that it shows my insurance is going up XXXX dollars still and thats why my escrow is negative. My insurance is XXXX a year and doesnt need to be renewed till XXXX. But they still show in going up to XXXX. But only they see it. Not my insurance company or the insurance department for the mortgage company themselves. Cant get a clear answer on anything.