davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX works with a company called XXXX to send money. 

When set up, I was assured that I could send {$1200.00} a month to my landlord. 

Today I could not. I was told that my limits were lowered and was unable to send it. 

Apparently capital one does not have to notify you if they change your limits and there is no way to raise the limit to the monthly promised amount due to security. 

Now I can not pay my rent on time due to this misinformation.
Consumer complaint received 2018-03-27
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: Experian Information Solutions Inc. (CA)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (TX)

This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.
Consumer complaint received 2018-05-11
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)

1. REGISTER LETTER NUMBER ( S ) : RE XXXX US ; RE XXXX XXXX XXXX US ; RE XXXX XXXX XXXX US ; RE XXXX XXXX XXXX US. 

XXXX A ) SERVICED ON THE ENTITY : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, PA XXXX. 

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S )  XXXX ... XXXX ... 

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD. 

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA. 
4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT.

6. KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE. 





10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
Consumer complaint received 2018-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

XX/XX/XXXX : Problem with Loancare at XXXX XXXX XXXX, XXXX XXXX, VA XXXX - Investor Accounting I received a notice on XX/XX/XXXX indicating I was due an escrow refund of {$2400.00} for loan number XXXX. 

Loancare asked that I send in the attached form. I sent the response on XX/XX/XXXX ( aproximately ) via fax to the number listed on the letter and kept my confirmation that the fax was indeed sent successfully. 

Got an email confirmation from XXXX XXXX ( from Loancare ) of receipt of the fax indicating that my payment should be received in ten business days which would have been XX/XX/XXXX. 

As of XX/XX/XXXX, I have not received the escrow refund. I have attempted to contact XXXX XXXX by phone and email over the last ten days numerous times without a response. My hope was to get an estimated date for the refund. No response was received. XXXX XXXX has been ignoring my repeated attempts to make contact. 

I am hoping the bureau can help resolve this matter.
Consumer complaint received 2018-05-10
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: Experian Information Solutions Inc. (TX)

We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX Please have these inquiries removed as they were not authorized. 

Letter from dealership is attached to this complaint
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am trying to obtain an auto loan. However, my lender says my Equifax credit is more than likely frozen. I called Equifax on XX/XX/2018 to unfreeze my account, which I never froze in the first place. When I finally spoke to a representative and gave her my information, she informed me that Equifax had no record of me in the system. I have had established credit for 6+ years! Several credit cards and auto loans. I have verified that at least 2 of my credit cards ( XXXX XXXX and XXXX ) report to Equifax. There is no reason that my credit should be missing, especially since I provided my SSN, birthday, name, address, etc. I even remember 2 years or so ago checking my Equifax score on XXXX XXXX. This makes no sense that I have just " disappeared '' from record.
Consumer complaint received 2024-10-09
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. (OK)

This morning, I came across unauthorized inquiries on my credit report, which was completely unexpected. I always check my report, but today there were unexplained discrepancies. After refreshing the browser, hoping it was a technical error, the issues remained. Im extremely frustrated and want the documents Ive provided thoroughly reviewed so this can be resolved without further stress.
Consumer complaint received 2018-04-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bayside Capital Services, LLC (TN)

they threatened a relative left voicemail on relative answer machine they were serving me a certified letter at their residence XX/XX/XXXX18 for an outstanding debt. i have told this company mynumber an my number only. they have called that relative before and i told them they broke federal law-they laughed when i told them i was filing a complaint with the CFPB. They wont even tell me there legal name-i have asked where they are located and they call 5 times a day from diffrent numbers. they say there name is XXXX XXXX they call from XXXX-they guys name is XXXX XXXX he says. THe realtive called the sheriffs department today. NOthing is ever done to stop them.
Consumer complaint received 2018-04-30
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES (MA)

There is an open student loan reported on my credit report that I never took out. When I contacted the companies both XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) they said there is no loan connected to my name or my social security number but they can't go in to change this and that I needed to go to the credit bureau.
Consumer complaint received 2018-04-18
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: Experian Information Solutions Inc. (FL)

I've disputed with the credit reporting agencies that Bankruptcy # XXXX  and # XXXX  does not belong to me. The Bankruptcies Names and Social Security numbers do not match. Credit Reporting Agencies fail to establish correct name and social security. Social Security number is not linked with name according to Social Security Administration and Bankruptcy Court during the time the the filings claimed to be made
Consumer complaint received 2018-04-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I transmitted {$1400.00} ( my rent ) via XXXX  - Citibank 's replacement for electronic money transferring. XX/XX/XXXX, my landlord contacted me and shared that he never received a link via his phone number. The following actions then ensued : XX/XX/XXXX + I contacted Citibank asking to provide me with proof that the money I sent was " deposited '' into the bank account of XXXX XXXX, intended recipient, who has a XXXX account.

XX/XX/XXXX + Citibank responded that they'd open an investigation and that if the funds were not picked up in 30 days from the date they were sent they'd be refunded back to me. Those 30 days went by and I called back and they shared that I was to then contact the recipient directly who went through his XXXX account and shared that the money was not deposited.

XX/XX/XXXX + I contacted XXXX for any assistance -- they shared that I would need to speak to Citibank. Called Citibank again, and they shared that they would get back to me.

XX/XX/XXXX + I received a document sharing that they'd gone through the records and found that the recipient had " received the funds. '' And that I was entitled by law to obtain copies of the information. I called the number listed on the document and requested those documents. The documents, to this day, have never been sent or forwarded to me despite multiple calls - 3 in fact, one sharing they'd email them to me, and others sharing that they didn't have those documents. XX/XX/XXXX - I would like this money to be refunded back to me so that I can provide that money to the intended owner. Currently, Citibank nor XXXX has provided me with proof that they accurately deposited the money into where I instructed them too.
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery Associates ( PRA ) has failed to provide proper debt validation for the XXXX XXXX  account they are trying to collect debt from. PRA hasnt provided any contractual agreement that illustrates financial obligation from me to them. They have also failed to provide adequate information about the debt they are trying to collect from me. They are trying to collect a debt in the amount of XXXX ( shown on page one of the debt validation they sent to me ) but after reviewing the statements ( which are not adequate information for debt validation ), there is not any information showing how this amount came to be. There are two completely different amounts from what is shown on the account from the statements vs. the account that appears on my credit report ( reported by PRA ). The dollar amount of XXXX doesn't appear anywhere on the statements sent to me as debt validation nor is there any information how this figure was calculated. I have highlighted the amounts throughout the documentation along with the due dates to show the different debt amounts. PRA has also presented statements that are not sequential in dates and missing information. There are no statements presented from the months of XX/XX/XXXX-XX/XX/XXXX but months presented from XX/XX/XXXX-XX/XX/XXXX This lack of documentation is questionable in validity when trying to use as proper debt validation as there is missing information in those documents. As stated, the documentation that was sent to me as debt validation is inaccurate and this account needs to be deleted from my credit reports immediately. Trying to collect a different debt amount and not provide proper, adequate, and accurate debt validation is against the laws of FCRA and FDCPA. I have provided supporting documentation for review and validity of my statement above.
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

I need CoinBase/XXXX to stop holding my money XXXX. 
They won't even let me LOG IN to see what happened to my balance. 
No one is giving me real answers and they *refuse* to give me any information about the status of my account.
Consumer complaint received 2024-10-09
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. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
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. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2018-04-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To date, I have called in one dispute and mailed four dispute letters to TransUnion starting in XX/XX/XXXX and to date, I have not received a written response from this company. On XX/XX/XXXX I was notified through my credit monitoring company that my FICO score had decreased by 10 points due to TransUnion reporting a delinquency on my report from a XXXX XXXX account I have been disputing with them. In my dispute of the XXXX XXXX accounts, I asked that they provide me with the documentation they used to verify the accuracy of the account. Not only did they not comply, they have made changes on my report since I started disputing the incorrect information on my account in XXXX and have not mailed me anything regarding the outcome of any of their investigations. When they reported on 13 XXXX XXXX accounts, they never validated that information, because had they done so, they would've known I had graduated college before some of those accounts were even opened and we all know, once you have finished college, or have stopped attending, the money becomes do, however, Transunion is reporting new loans opened after I finished school. I asked that they provide me with a promissory note showing that I was able to take out education loans AFTER I completed my education. XXXX XXXX is known for re-aging accounts and TransUnion is complicit in this illegal act by not doing due diligence in investigating consumers complaints. We all know TransUnion does not work for the consumer, but I have a legitimate argument, and I demand they delete all of the items they have not been able to validate and send me an updated credit report reflecting this. I am going on two and a half months with no correspondence from TransUnion, I now just rely on my credit monitoring company to alert me when changes are made to my reports. Delete those fraudulent XXXX XXXX Accounts, Delete all of the information I have disputed with you that you have failed to respond to within the 30 day time period.
Consumer complaint received 2018-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I have been paying my student loan now for 20 years. This past XX/XX/2018 I submitted my application to qualify for the public service loan forgiveness program. I had been paying my loan for 120 consecutive months as well as being a full time XXXX XXXX. My application was rejected. When I called the Department of Education they informed me that the type of loan I had with Navient did not qualify. When I spoke with Navient, they said that I was not in their public service loan forgiveness program. They informed me when I started paying my loan 20 years ago they were not a part of the loan forgiveness program. But when they did have the option for people to enroll in the loan forgiveness program, the option was NEVER offered to me. Several times they had me enroll in their forbearance program but never once informed me within the 20 years of me paying them that I had the option of the loan forgiveness program. All these years I thought my loan with them qualified for the public service loan forgiveness program, only to be told after 20 years it was not.
Consumer complaint received 2018-04-30
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)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.