davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
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: PINNACLE FINANCIAL PARTNERS, INC. (TN)

i have an issue with XXXX, my credit score was lowered by 6 points because of a credit card that i never had. I called the bank that had placed my name of the credit card " Pinnacle Bank " and they said they would fix the issue because it should have never been on my credit report. I never filled out any paperwork asking for the credit card and they said they do not know how it happened. They said it was resolved. Well it is not, i saw on my credit report that the dispute was resolved and the case is closed. IT IS NOT CLOSED. It has lowered my score and it is not fair to me as the consumer. i am requesting that you resolve this issue and give me back my high credit score. it is truly hurtful when a person has to constantly prove that they did not do anything and you all ask like it is nothing. If it were you wouldn't you like your credit reinstated ....
Consumer complaint received 2022-07-18
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 (CO)

I went to make a purchase today I received a text asking if it was me I said yes the card still declined I call them they say it's cause of suspicious activity even after replying to the text saying I was making the purchase. I go through all the charges and verify they are from me they say I can use it. I try to make the purchase again still declined I call back again and was told the system detected fraud and deactivated the card a few days ago. They never called emailed texted nothing just waited until I tried to make a purchase and call them to see what's going on and then tell me it's been deactivated a few days ago. I told them I just talked to someone they said it was good to go now they say nope we have to send you another card even though I confirmed every charge. They don't even know what's going on one says it's able to be used since I verified every purchase and the other saying it's been deactivated for a few days now. They can't even get their stories right. The deal is that if I made this purchase today I would receive a {$600.00} discount I told them that and asked if they were going to credit me {$600.00} since they just screwed me out of that since I'm not able to make the purchase today they just said nope not their problem the system detected fraud so not going to do anything but send you another card. I have auto pay set up on a lot of accounts with a couple coming up in 2 days but the new card won't even get here in time plus now I have to go through and change the card # on all the auto pay accounts set up.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I had a consumer credit card with Neiman Marcus that was my oldest credit card that I had on file. It is my belief that in order to make me appear " more worthy '' of being poor and XXXX  that this account was closed without my authorization. This account was on my credit report since the age of XXXX and was my oldest account that I had for over XXXX  years and was shut down without my authorization. 

I called into Neiman Marcus but they didn't understand my concern over this account being closed as they do not have access to " whom '' closed the account, when it was closed down, why it was closed down, and if this was done without my authorization. 

IF this account was closed due to a lack of activity than I can accept this fact but if the account was closed by a person who posed as myself then I do have a problem with this. It was not myself who closed this account and I would like this matter looked into a little deeper as I believe this was done in order to impact my overall credit score and lower my score making me an ideal candidate for XXXX  and for Government housing.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've asked Capital One, XXXX, XXXX and XXXX To remove late payments from my consumer report.Because these late charges are clearly being inaccurately reported. Capital one has failed to show proof of late payments and they violated 15 U.SC 1666b as Capital one has never sent me a notice 31 days before any of these so call late payments. 
I have sent several levers to Capital One, XXXX, XXXX, and XXXX proof of the inaccurately reporting and misleading information. I will be Exercising my rights and taking legal action, if this false information isn't removed immediately from my consumer report. How can a payment be both late and on time in the same month? How can a payment be both 30 days and 60 days late in the same month? Capital One is inaccurately reporting a total of 7 late payments. By Capital One, reporting this inaccurate and false information to my consumer report, this has adversely affected me, and caused me hardship.
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/XXXX, I entered into a Student Loan Repayment Program ; this was based out of a Collections Company called XXXX XXXX XXXX XXXX ; Account # XXXX. My Student Loans came out of default, and were being reported as current and in good standing. 

I was paying {$5.00} a month. 

As a result of the onset of the XXXXOVID-19 Pandemic, the CARES Act was enacted and all automatic payments debited from my debit card/checking account stopped. 

Everything was fine, and I was waiting to be notified of my {$5.00} monthly payment resuming ; however, I never received notice. 

Further, it is law under the Fair Credit Reporting Act ( FCRA ) that a company or agency must notify the consumer, in writing, of defaulted accounts and detailing the consequences if the consumer does not take action ; however, that is not the case here. 

XXXX/U.S. Department of Education did not provide written notification of default and the consequences that would ensue if no action was taken ; rather, XXXXU.S. Department of Education took it upon themselves to place my CURRENT Student Loans in Collections. 

I also find it interesting that the XXXX/U.S. Department of Education made this Adverse Credit Reporting decision as my spouse and I are trying to qualify for a Mortgage Loan. 

On XX/XX/XXXX, I called XXXX/U.S. Department of Education and spoke with a person by the name of XXXX, who said it's best to keep my accounts are they are until XX/XX/XXXX, when the U.S. Department of Education begins their Fresh Start Program and to call back on XX/XX/XXXX to enroll. XXXX from XXXX/U.S. Department of Education refused to begin the process of helping get my Student Loans out of Collections. That same afternoon of XX/XX/XXXX, XXXX Customer Service ( XXXX ) sent me an email with the Subject : " Disputes ''. 

On XX/XX/XXXX, I contacted the State of California, Department of Financial Protection and Innovation to file a complaint against XXXX/U.S. Department of Education ; however, they referred me back to XXXXt/U.S. Department of Education. 

My spouse and I are currently " Under Contract '' and expected to Close on our new home on XX/XX/XXXX ; however, our Mortgage Lending Company is now asking questions about my Student Loans in Collections.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX # 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 1666 B : 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED US DEPT OF EDUCATION INACCUATELY REPORTING LATE PAYMENTS TO MY STUDENT LOAN ACCOUNT. I'VE CONTACTED THE CREDIT REPORTING AGENCIES, AND THESE LATE PAYMENTS HAVE BEEN DEEMED UNVERIFIABLE. 

REPORTING THIS INACCURATE INFORMATION IS NOT ONLY VIOLATING MY CONSUMER LAWS BUT SEVERELY IMPACTING MY CREDIT. THESE LATE PAYMENTS ARE IN VIOLATION OF 15 USC 1681 A ( 2 ) AI. NOT ONLY WAS THIS STUDENT LOAN ENROLLED IN THE REHABILITATION PROGRAM, BUT ALSO COVERED UNDER THE CARES ACT.

FURNISHING ANY LATE PAYMENTS UNDER THIS ACCOUNT FURTHER VIOLATES 15 USC 1681 S-2 ( E ) IL BUT ALSO 15 USC 1681 S-2 ( F ).

AFTER ATTEMPTING TO REMEDY THE LATE PAYMENTS I WAS ADVISED MY INFORMATION WAS ALSO INVOLVED IN THE XXXX AND XXXX DATA BREACH. I NOW SEE CREDIT INQUIRIES MERGED TO MY PROFILE THAT I HAVE NOT AUTHORIZED OR GIVEN PERMISSION TO BE FURNISHED FROM XXXX, AND XXXX  XXXX.
Consumer complaint received 2022-07-18
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. (IL)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

Ditech is a new name for the company known as Green Tree. Our mortgage on our home was nearly paid off at the time Green Treen took it over. My bank continued making monthly payments to Green Tree electronically depositing into Green Trees account with XXXX  XXXX XXXX. However Green Tree neglected posting any of our payments to our mortgage account.. We had requested they correct our acct and post our payments several times, at which they pretended at the time, not to have received any of them. Green Tree refused to give us or our banks any information on the payoff amount & tried to foreclose on our home instead. We were able to pay the entire mortgage amount again before they could foreclose. My bank " XXXX '' went through the procedure of tracing down 0ver 20 payments that were found to be deposited into Green Tree 's ( Ditech 's ) bank account with my mortgage account number on them. Ditech refuses to reimburse us the {$19000.00} they state they lost. They claim they need to find where they allocated our funds before they are able to reimburse us. I call them every 6-8mos. requesting they return our money, however they claim they are still unable to send us a check until they can correct all their errors. I have all receipts & letters from the bank showing all payments were made on time every month. I also have the payoff receipt showing they were paid a second time for the same mortgage, if needed I can send. Over 100 pages of documentation is available. I called XXXX bureau 2 years ago and told it was being investigated & had assumed it was corrected. I recently found out Ditech has since submitted another negative report to the credit bureaus under the pretense they never received payments and I still haven't received my duplicate payments reimbursement.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC (GA)

I've been fighting with Continental finance company for over a year about fraudulent activity on my XXXX XXXX account. I've reached out over and over. Every single time I get someone on the phone, I have to explain the situation all over again. Each rep promises to investigate and get back to me, or escalate to upper management. I don't hear back from them. They reported my account 60 days late and my score across all bureaus took a 40+point dive each. I've called and complained and each time they promise to get back with me within the week, but I never hear back from them. Every investigation reported concludes that it's individual responsibility, even though they have definitive proof it wasn't me who made the purchases. I'm currently making the minimum monthly payment to protect my credit. I've been paying on this account since before the fraud was committed and I'm tired of paying for purchases plus interest, someone else made. I asked about consumer protection and fraud liability that's suppose to be automatic, yet they allowed info on my account to be changed including personal address and payment account number. They won't fix the problem. Instead they lie and string me along and i Personally feel like they're going to drag this out until I end up paying the bill in full then close my account. They told me to keep making the minimum payment and once the investigation was done, I'd be refunded any money I paid in. This was of course after they reported my account being 60 days late which was a result of fraud as well. they also promised to remove that but it's still showing on my credit report. I feel helpless and out of options. I'm not sure what else can be done except take them to court.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX, and the other on XX/XX/XXXX. I am disputing four derogatory remarks on my credit report that are inaccurate, fraudulent, invalidated, unverifiable and accounts that were open and compromised due to Identity Theft. I was a victim of Identity Theft in XXXX and XXXX. I sent XXXX  and Equifax a validation of debt letter, police report and I also requested how did they verify any debt belongs to me. Not only did they fail to provide to me how they validated the debt. They also failed to provide me how they verified the debt. It's been over 45 days with no results. I reached out directly to all of the CREDITORS involved in the dispute regarding these accounts and they have all failed to validate or verify any debt as accurate and failed to provide me with proof of my signature. Please explain to me how can you validate any debt when the creditor has failed to validate any debt? Not only did XXXX  and Equifax and the Creditors break many laws, they are reporting inaccurate information and not living up to its rightful duty to report accurate information and serve the consumer justly. Please DELETE and remove these accounts from my credit report immediately. This is frustrating and you are giving me a hard time and breaking laws and subject to Civil liability. Im acting in good faith once again. Ive attached all the supporting documents : FTC Report, Police Report, Receipts of letters, Receipts of letters delivered successfully. See below accounts in dispute XXXX XXXX Account Number : XXXX This account is inaccurate. The Debt does not belong to me. I do not validate this debt. Update the report to positive/current or delete from my credit report. 

XXXX XXXX Account Number : XXXX I do not validate this debt. This account does not belong to me, delete this account. 

XXXX XXXX Account Number : XXXX This account is inaccurate, unverifiable, missing information, incorrect balance and compromised due to identity theft. I do not validate this debt. Remove from my credit report. 

XXXX Account Number : XXXX This account is inaccurate and a fraudulent account. This account does not belong to me. I do not validate this debt. Please delete from my credit report.
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (FL)

I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by Equifax, for account number XXXX XXXX  XXXX Cardwor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

I look forward to a timely and amicable resolution to this matter.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I purchased multiple trips from XXXX XXXX and XXXX for United States Veterans. After corresponding with other veterans who also bought trips from this organization that claims to be a not-for-profit, I came to realize that XXXX XXXX is running a Ponzi Scheme and is defrauding XXXX veterans and active duty military by selling retreats and then not providing these trips and then not refunding the money. When I went to Capital One to recover my funds, they refunded XXXX of the money but refuse to refund the remaining {$1000.00}. Of this, {$750.00} is for a trip to XXXX XXXX in XXXX that XXXX has already cancelled after bringing a group of 60 veterans there in XXXX and having a disaster that included no accommodations, no food, and no return airline tickets. I have requested Capital One 10-15 times to reopen my case. I have sent them information over and over. I have sent them messages from XXXX stating that all trips for the rest of this year are cancelled. They refuse to do anything whatsoever to help me, as XXXX challenged the charge before the disastrous trip, and as she was stealing from the veterans she was working with, has gone to ground and can not be found any longer.
Consumer complaint received 2021-03-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CT)

refinance was to take place in XX/XX/XXXX, however loan did not close. The closing was resechuled for XX/XX/XXXX at XXXX in my home. The day of the closing a notary higher by Mr. Cooper which is my mortgage company, called to say another person would be doing the closing, which to him was the last minute, closing ran until XXXX that night and continued the next morning. Papers were signed closing certified check was given. After two to three weeks since we had not heard anything from the company I called, Mr. Cooper, they said they had no record of such closing! and from that day its been a nightmare. After much going back and forth with this company, they still refused to ackowledge the closing, even though I signed documents and paid closing costs. A rep from Mr. Coopers, said they would check into this, and instead my closing costs were returned a month after the closing. I reminded the rep that I had 3 days to recind the transaction and I had not and according to mortgage documents they had 30 days and that they had gone beyond the thirty days. Well they falsely said to me they would return the closing costs so I could pay the original mortgage bc it now was late ( their fault ) and call me back with another closing date. Then I get a phone call from XXXX XXXX, not from the other personal I had been working with, and she told me that she had bad news that they were not going to reschedule a new closing. According to her they now had to do appraisals credit reports etc.,? This conversation took place the evening of XX/XX/XXXX. All this time since XX/XX/XXXX? I am still waiting for a reply. Very upsetting to say the least, is this legal what they did to me :?