davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Without my consent, Capital One lowered the credit limit on a card I have had with them for over 15 years, from {$15000.00} to {$5000.00}. As available credit is a factor in credit scores, the lowered available credit amount will have negative impact. 

In this case, I estimated a negligible difference in credit score damage between the 66 % available credit decrease and not having the card at all, so I canceled the card ( thus also saving on the annual fee I have dutifully paid for the duration of holding the card ). 

I have the luxury of having excellent credit, and not needing this particular charge card. That does not make the practice remotely acceptable, however. Lower credit scores lead to higher interest rates, which clearly benefits the charge card companies. This practice should be outlawed.
Consumer complaint received 2023-04-04
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. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : XXXX : XXXX 4. The following personal information is incorrect Account Number : XXXX : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : XXXX  : XXXX XXXX 9. The following personal information is incorrect Account Number : XXXX : XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are Required by law to do so please investigate my disputes, Thank you
Consumer complaint received 2020-08-27
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1000.00} XXXX XXXXXXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXXXXXX XXXX   XXXX {$140.00} XXXX XXXX {$110.00}
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC (TN)

I was living in the country of XXXX from XXXX to XXXX in XXXX someone opened a personal loan from XXXX XXXX in the amount of XXXX dollars i have sent copies of paper work showing i was not living at a address the the loan was giving to they also said that a few payments where made from a account that i stopped using now the account went into collections from Collins Asset group/XXXX XXXX  If needed i can send a coy of my XXXX government ids and paper work from ssn and the VA hospital XXXX XXXX
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (AZ)

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2021-10-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 193 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My credit limit was decreased due to limited usage. This unfairly penalizes me for responsible usage and will negatively impact my credit score through no fault of my own. I spoke with a supervisor on XX/XX/2020, who informed me that they can not and will not reverse this decision. For a company to hold such sway over my credit score, without any negative action on my part, is not only unjust and unfair, it violates the terms we both agreed to when opening this account. Since I did nothing to warrant this action, I see no basis for the company to change the terms of our agreement and to adversely affect my credit score.
Consumer complaint received 2020-08-27
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30 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 2022-09-12
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: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (TX)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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.
Consumer complaint received 2021-02-22
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

Dear CFPB, I am tired and sick of Fay Servicing playing games with my home as well as my family, for the past 8 months now Fay Servicing made me apply for a loan modification over 6 times. 
Every single time that i get assigned to a representative all they keep telling me is that because of my history the investor of the loan feels that i do not deserve a loan modification. 

keep in mind this is one of those bad loans that Fay Servicing issued from the last recession which it was an adjustable rate with minimum payment and an outrageous interest rate of almost 7 %. 

After 5 months waiting for Fay Servicing to finally listen to my request, Fay Servicing assigned a representative by the name of XXXX XXXX phone number XXXX who first told me based on her review i still didnt deserve a loan modification and it was better for me to loose the house. 

XXXX XXXX phone number XXXX made me so up set since i had never missed a payment until this economic hardship began and it was not fair for hero to tell me i didnt deserve to keep my home. 

i requested for her manager which never returned my call but 2 weeks later i received a loan modification agreement showing an approval of a higher mortgage payment almost 3 times higher that what i used to pay plus only for 3 months. 

So i reached out Fay Servicing - XXXX XXXX phone number XXXX who told me that i was lucky to get that approval since my investor still didn't believe i deserve to keep my house. i told Fay Servicing - XXXX XXXX phone number XXXX that i didn't appreciate it her opinion since i was the one paying the mortgage and she had no knowledge how hard i worked to buy this home. 

After numerous calls and messages to the manager of Fay Servicing - XXXX XXXX phone number XXXX finally got a hold of XXXX XXXX XXXX XXXX. XXXX who told me that if i wanted help to keep my home ill have to resubmit all of my documents all over again. 

So i did i faxed and email all my documents all over again, after almost 2 months XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX told me that because my application showed that i was affected due to the current economic pandemic. the investor of my loan approved a deferral for only 1 month yes you heard right only 1 month. 

Again i asked for the manager Fay Servicing - Manager XXXX XXXX phone number. XXXX who never even bother to return my call about this concerning outcome. 


i feel that XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX keep playing with my home so i can just walked away and loose my home. 

this is not fair that XXXX XXXX phone number XXXX & Manager XXXX XXXX p. XXXX keep telling that i do not deserve to keep my home. it is ridiculous for them to even judge me because of background and race. 

please help me, all im asking is for help to keep my home.
Consumer complaint received 2021-08-28
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 whom it may concern, I was looking at my credit report on XX/XX/2021 and noticed there was some inquiries i have never authorized which if fraud and I have no knowledge of and never signed anything for any of the following. The ones in question are XXXX/XXXX  Inquiry from XX/XX/2021, XXXX/XXXXInquiry from XX/XX/2021, XXXX XXXX, XXXX  XXXXInquiry from XX/XX/2021 & XXXX , XXXX/XXXXInquiry from XX/XX/2021. I would like these all removed from all credit reports as this was not authorized by me and to my understanding of the fair credit reporting act I have the right to make my credit accurate thank you for your help.
Consumer complaint received 2020-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX reported me late during a pandemic. I was very sick with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. XXXX ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VIN:XXXX Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}
Consumer complaint received 2020-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX reported me late during a pandemic. I was very sick with XXXX and had XXXX. I worked very hard to keep up with payments. I had a deferment. I requested a goodwill late update to never late. XXXX ignored me. I feel that I should receive a goodwill update. I would like late fees deleted I cant afford to pay XXXX I request a goodwill. 
Account # XXXX Product:XXXX XXXX VINXXXX Term:36 Payment Due DateXX/XX/2020 Current Payment Due : {$480.00} Past Due : {$480.00} Total Fees Due : {$110.00}
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure 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.
Consumer complaint received 2020-08-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Integrated Asset Recovery LLC (MD)

Portfolio Recovery, LLC has harassed me and contacted my employer, threatened to sue me for debt that does not exist. I have checked my credit reports from all 3 bureaus and there is no delinquent debt that is owed. If there is any debt owed it would be 20 years old. I have paid on time for all of my accounts. I have asked them to stop calling me but they refuse to do so even contacting my family members and ex-husband. They also contacted my ex-husband stating I would be sued and court documents were being sent to his home causing him to feel as though he was going to taken to court because of the verbiage Portfolio Recovery used. This could cost me my job and is a very serious matter. I have requested for this stop and it has not. What recourse do I have? Their tactics include harassment and abuse and it needs to stop. 

On XX/XX/21 Portfolio Recovery LLC contacted my place of employment and have done so previously.
Consumer complaint received 2020-08-26
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. (VA)

I have asked for validation to 2 collections on my credit report which is sprint and XXXX XXXX. XXXX is represented by XXXX XXXXXXXX XXXX and XXXX XXXX college is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps.

I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Hello, I hope this document gets to the right department. 

I have been working in a short sale since XX/XX/2020. 

Now I just received a {$9000.00} water bill for XXXX XXXX thru XXXX XXXX and the property has been vacant since XX/XX/2020 no tenancy. 

Since the Covid-19 Disaster my tenants moved out and now theirs a {$9000.00} water bill and if I dont get this removed. 

My short sale is dead. 

I did my best. 

XXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

I am extremely devastated, embarrassed and damaged by the shameless actions and decisions that Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX have made against me and my family. I was discriminated against. I, consumer, beneficiary and natural man was denied an extension of credit when in good faith applied for an extension of credit. I applied to use credit for my personal, family and household use. According to the Equal Credit Opportunity Act it states that it is unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction- because the applicant has in good faith exercised any right under this chapter. Not only a federally protected consumer was discriminated against, this company violated their fiduciary duties as trustee in which I, the beneficiary sent a notice of breach on XXXX in accordance to the uniform commercial code. I receive no adequate consideration as I provided this company with my trust documentation and all XXXX XXXX evidence to conquer that I am claiming what is owed to me. Goldman Sachs Bank USA and Apple 's deceptive business practices has stressed my family and I and has caused us a great deal of mental anguish in which I needed that credit line to move my family out and Goldmans Sachs Banks shameless decision has left us XXXX. I have proof and certified mail receipt to show that I tried to rectify the matter and multiple calls and this company decided that they should act with unclean hands.