davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have an account listed on my credit report as Cap One Auto for quite some time now. I began disputing it when I realized it was reporting on my credit inaccurately and inconsistently. I have never received any form of response back from them. All they've is update my credit report to say that the account was in dispute and is now resolved. I have received nothing substantial on how they came to own this debt. On XX/XX/XXXX, I asked for specific documents which i will include as proof. I asked them to respond to me with in XXXX days. I know my rights and this is a clear violation and I was determined to fight this. I sent out another letter on XX/XX/XXXX letting them that they failed to send me any requested documentation to satisfy the validation of this debt and requesting that they remove it from my report. They never responded to my request! I gave it some time to see if maybe they would update the credit bureaus to remove it but nothing again. XXXX XXXX I sent in a request again, simply stating that I want an itemized statement breaking down the balance I owe, which is well within my rights. I don't know how they continue to report this account and say that the dispute has been resolved when not once in over 8 months have they responded to any of my requests.
Consumer complaint received 2022-03-30
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. (AL)

Please remove the accounts that are wrongfully placed under my name baceuse the bureaus not doin nothin bout em no matter how i try to tell them that those accounts are untruthful
Consumer complaint received 2022-08-28
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: Resurgent Capital Services L.P. (MI)

The day of XX/XX/2021 ( LVNV funding LLC ) added a derogatory remark on my credit report per XXXX XXXX. This account is a fraudulent account and this account was never mind. Upon, further research this account was transferred/sold and I am NOT responsible for this fraudulent account. Debtors credit did not verify this collection. Also, there was NO written form of communication, contact or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA ( LVNV Funding LLC ) has violated my rights as a consumer and Im requesting legal action to remove this immediately
Consumer complaint received 2022-03-30
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 (CT)

Spoke with Capital One Auto Finance XX/XX/2022 I have two auto loans with them, each account now has 6 late payments reported as of XX/XX/2022. 
Spoke with a representative XX/XX/2022, they agreed to remove the late payments fees and the late payments on BOTH accounts. 
Capital one investigated and verified the information on the recorded call and I can be heard asking when the late payments would be removed from my reports. The agent specified XXXX hrs. I followed up with capital one and they have declined to uphold what the agent expressed capital one will do. My credit score has severely been damaged, capital one was made aware that my job title and duties are subject to the credit rating and that the removal is needed to maintain my current salary and position. Without the removal, It will not be possible to get back on good payment history with their financial institution. I have sent numerous letters expressing the impact of covid during those months and prior to that, I have never been late on either vehicle. I was told they would remove all the late payments, I would like for them to keep their word so I can continue to keep mine.
Consumer complaint received 2022-03-23
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: American Credit Acceptance, LLC (FL)

I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other 3 auto finance companies i was not aware of or gave consent for was for XXXX XXXX XXXX, American Credit Acceptance, and XXXX XXXX XXXX. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.
Consumer complaint received 2023-01-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX  Opened XXXXXXXX XXXX XXXX Balance {$24000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

I have sold my Crystler Capital lease to XXXX on XX/XX/2021. After that, XXXX delayed sending the payoff amount to Crystler Capital which I was not aware of. When XXXX finally sent the final payoff amount, it was XX/XX/2021 but by that time I was already charged for late payment for the month of XXXX. This dropped my XXXX score by roughly under XXXX points. 
I called Crystler Capital to inform about this issue once I found out. They requested a fault letter ( attached below ) from XXXX saying the vehicle was not in my possession post XX/XX/2021 and the reasoning behind their delay. I had to physically go to XXXX more than 3 times to get this letter done and had multiple iterations to update based off of what Crystler Capital wanted to be written on the letter. 
Once the final iteration was completed after XXXX included all the information that Crystler Capital asked for, they still said it wouldn't work and they wouldn't fix the credit reporting. I have spend 2 months on fixing this issue and tried to include all the information that Crystler Capital asked for but yet they still said they wouldn't fix it at the end which is tremendously frustating. Especially since how significantly it effected by XXXX score. Crystler made me go through all the hassle to have XXXX prepare the letter just to say they wouldn't fix the issue even though they said they'd fix the reporting once I had the letter from XXXX. I know Crystler Capital has mostly one start reviews and this was just a prime example of why. 
I have been emailing all the information to a personnel, XXXX who was handling the credit information to Crystler Capital credit department. She only called after each email to add additional information that they'd require but never responded to my emails due to legal restrictions according to her. It has been months since my credit has been effected by this but I was unable to get any help in fixing thing from Crystler Capital even though it wasn't at my fault. 
XXXX has been compliant in getting the letter written but again, it was XXXX 's delay that led to the negative affect on my XXXX score. 
This delinquency was only reported to XXXX and not the others which was also a little bit strange. So I am hoping this get resolved soon as I have filed a dispute with XXXX. 
I have also attached below the letter I have sent to XXXX for the dispute with all the related information.
Consumer complaint received 2023-07-05
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (OH)

Chime Financial, LLC completely restricted access to my bank account due to suspicious or fraudulent activity. 

Over the last three days, I have been on the phone four separate times. I have verbally verified all of my personal information on every recorded phone call, I have emailed them pictures of my drivers license, SSC, and a W2 all as requested. I have done all of the above many times, they repetitively ask me to verify the same information. 

They are now requesting me to send them a selfie, and are refusing access to my bank account until I email a selfie to their support team. Ive discovered multiple multiple lawsuits and court cases out against this institution for the same reason, among many others such as fraud, breach of contract, and many more. 

In their privacy policy, they specify that they only request name, email, phone, address, and social to verify a person. It is not stated that they ask for pictures of any documents, let alone a selfie of the individual. This has to be breach of contract
Consumer complaint received 2022-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Time Investment Corporation (NC)

I initially fell behind on my account due to Covid19 and asked for a deferral several times and have not received one. I have received multiple voicemails pertaining to this account which my friends and family have heard. Proprietary information should not be disclosed on my phones voicemail. Last voicemail I received was from branch manager XXXX you should know better considering where you work, this account will be charged off by the end of the month if we do not receive payment. AND DO NOT CALL BACK HEAR ASKING FOR IT TO BE REPEALED. This voicemail was intimidating and XXXX. When I called and spoke to XXXX he specifically said YOU OWE ME MONEY. I replied I owe time financing, not you I asked for another deferral and he replied why would I give you one and you havent paid me in how many months? I replied, thats why you would give me one I advised XXXX to never talk to me like that again, I am not his child. I spoke with his supervisor XXXX and even provided him the voicemail nothing has happened. I have yet to receive any deferral and I have not been advised why I can not receive one. I am being XXXX  against based on the XXXXXXXX XXXX XXXX XXXX I sincerely believe minorities are being mistreated and it has a disparate impact on their credit report.
Consumer complaint received 2022-03-23
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One ending XXXX with balance of over XXXX idispute this amount owed Capital One refuses to give access to online account XXXX 2021, I am informed card is still open, I requested a new card and sent a payment and requested statements. I have repeatedly requested and called and sent letters and nothing of what I requested has been done. Also to remove late fees I was hospitalized, and to remove late payments reported to credit. To substantial the charges, I am requesting a verification letter. Please also the amounts that I have paid are not accurately reported, there is no settlement offer, Capital One closed my card. Please assist
Consumer complaint received 2022-03-30
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (PA)

My mother had a XXXX loan on her property, and passed away on XX/XX/XXXX. Novad was notified XX/XX/XXXX, and a HUD appraisal was ordered. We were advised that we had 6 months to settle the note, with 2 extensions of 3 months each afterwards. HUD appraised the house on XX/XX/XXXX for {$290000.00}, and according to Novads paperwork, we only needed to pay 95 % of HUDs appraised value : {$270000.00}. We decided to pay off the loan by taking out our own XXXX  on the property which I inherited. I was forced to retire early to care for Mom, and wanted to preserve our capital. We were approved for the loan in XX/XX/XXXX and I requested a payoff statement. We are still waiting for a correct payoff. We received 3, listing the total loan amount, not the 95 % HUD figure, and a payoff for someone else. I have tried phoning, texting and email. Appraisals are only valid for 4 months : each time they expire we need to start over with our XXXX, costing {$700.00} a pop and repeating the HUD appraisal for the house value. HUD Appraisal done on XX/XX/XXXX, a full year after Moms passing, came in at {$360000.00}. This is substantially more than we planned on, and now have to sell our former house to cover the inflated price. 
During the summer HUD designated Novad to handle all its XXXX loans, and all the Novad phone lines were disconnected, and the HUD Answer Line became the only way to reach a Novad customer rep, who was really a HUD rep with a written script. They were very polite, but could do nothing to help. My case was escalated thrice, sent to a supervisor twice, and when I wanted to file a complaint I was transferred to the HUD Answer Line, for another 2 hour wait. The last contact of any kind by Novad was an email request for a years worth of property taxes paid, which I did. No further contact. My last request for a correct payoff was made on XXXXNo response. 
I feel that this delay/inaction is intolerable. I am very aware of the Covid interruptions, but we were expected to timely file and report despite the fact that XXXX XXXX and its Courthouse was closed for months. I feel that we should not be punished for Novads lack of communication and administrative problems. The XXXX loan was to be paid at 95 % of HUDs appraisal, {$290000.00}. This is what the house was worth at around the time of her death, and should have been paid off by XX/XX/XXXX, if Novad had supplied a correct payoff.
Consumer complaint received 2022-03-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 2022-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right 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 2023-07-04
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. (KY)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
Consumer complaint received 2022-03-30
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 (IN)

I completed a balance transfer for XXXX on XX/XX/XXXX from Capital One to XXXX XXXX The payment was cleared on XX/XX/XXXX. Capital failed to apply the payment to my account claiming it was because my digital card number was used verse the physical card numbering although there is nothing online stating so. I completed the same transaction on my other account with a digital card number and the payment was accepted for my other account with Capital One in the amount of XXXX. I have been dealing with both companies since and neither have made attempts to communicate with each other and/or locate the payment. I am being charged for both companies and feel helpless as one entity is saying they have the transaction and the other doesnt care to locate it. Capital one is saying they need a account and routing number and XXXX XXXX is saying they dont have access to that information since it was a electronic payment.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

We just moved into a new home and immediately had issues with Amerihome Mortgage ( XXXX ) on getting set up on auto pay. They told us we had to make the payment over the phone and let it process in a few days at which we can apply for auto pay at which point I did. Come to find out that the agent didn't process the correct payment and even thought the auto pay is currently set under my online portal as they have my account and routing info to pull the payment they not only didn't call me stating I had a block call which was not true I asked not to be called regarding any telemarketing only account related items. So now my sterling record has taken a XXXX point hit and they are giving me the run around and apologize. As of today my payment with them are up to date but they need to process a credit deletion report for the error of not processing the correct payment over the phone and not ensuring the auto pay was set up correctly the second time causing my account to go to delinquent status as attached but the auto pay still being on. 

Confirmation Code for payment : XXXX
Consumer complaint received 2022-03-23
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. (HI)

Per the Fair Credit Reporting Act Experian and XXXX are reporting inaccurate information on my credit report from furnisher XXXX XXXX XXXX  account # XXXX which is a major United States Consumer Credit Reporting Violation! 
The balance being reported on my Experian Credit Report is showing {$1000.00} and from the same account, XXXX is Reporting the balance as {$10000.00}, this is a major violation, Also on the same account Experian is reporting the High Credit {$16000.00} and on this same account XXXX is reporting the High Balance as {$10000.00} which is another FCRA violation!, Also Experian is reporting the date last reported as XX/XX/XXXX, and XXXX is reporting the Date last reported as XX/XX/XXXX which is another FCRA violation!, also Experian is reporting the Date Last Active is XX/XX/XXXX and XXXX is reporting Date last Active is XX/XX/XXXX which is another FCRA violation!, Also Experian is reporting Date of Last Payment was XX/XX/XXXX and XXXX is reporting Date of Last Payment was XX/XX/XXXX which is another violation of the FCRA! also both agencies have not put the status of the account as " In Dispute '' which is a Violation! XXXX has followed the law and deleted this account for inaccurate information while Experian and XXXX are still reporting this account inaccurately and it should be deleted from my credit report immediately! Also 15 U.S.C. 1681 Section 602 A. States I have a right to Privacy, Also this account is reporting inaccurate name, address, and phone number associated with this account which is another Violation.
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (LA)

Either XXXX XXXX XXXX XXXX XXXX or MRS BPO has contacted me or sent a letter to my address. 

XXXX XXXX notified me of a debt reported by XXXX XXXX on XX/XX/XXXX. I had XXXX XXXX send a dispute to say that it was not mine, they said it was mine. The account was open XX/XX/2022. The open balance is for {$1000.00} and came from " XXXX XXXX XXXX '' is the original creditor. 

I do not have any debt with XXXX  or XXXX.
Consumer complaint received 2022-03-30
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. (TX)

I have a mortgage that was with XXXX. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because XXXX is reporting that I was 30 days late in XXXX XXXX XXXX That is not true. I have my receipts showing that I made XXXXXXXX XXXX payment on the XXXX XXXX XXXXXX/XX/2020 and on the XXXX XXXX XXXXXX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute