davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
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 (OK)

Capital One XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Ut. XXXX Regarding Case Number XXXX We attended a seminar on XXXX XX/XX/XXXX regarding a travel plan my husband and I purchased that involved a total cost of {$4800.00} plus renewal fee of {$140.00} per year. We were told that this consisted of 2 weeks per year plus 2 week intervals per year. We were given a tour of condos and were told that the membership we purchased would provide us with the same amenities similar to the CONDOS we toured at a reduced rate. The CONDOS we toured had a Jacuzzi, full kitchen, washer and dryer, a bedroom and bath and separate living area. 

We first used our membership on XXXX XX/XX/XXXX through XXXX XX/XX/XXXX in XXXX, Missouri and were placed in a small area without any of the amenities listed above. We were very appalled by the accommodations in which they placed us. We were charged {$380.00} which included a {$99.00} cancellation waiver for 3 nights. We could have stayed anywhere in XXXX for a similar price minus the cancellation waiver. We complained to the front desk and were then put in a CONDO similar to the one we had toured. 

We attended a meeting with XXXX on XXXX XX/XX/XXXX. It was explained to us that we were placed in the small room because we were mistakenly placed on plan B instead of plan A. We asked what it would take to correct the error. They told us it would be an additional {$3700.00} for us to get on plan A. We told them no, we were already out {$3600.00} due to their misrepresentation of the property. No one explained to us until the XXXX XXXX meeting that there was a difference between plan A and plan B. 

The room we were given was not the CONDO we were told and shown that we would receive with our travel plan. We have lost about {$3300.00} due to their fraudulent misrepresentation and desire to cut further losses. 

Sincerely, XXXX XXXX We contacted multiple individuals at CapitalOne including but not limited to XXXX emp # XXXX, XXXX emp. # XXXX. They refused to provide their last names and further help with XXXX charges and closed my case and refused to help us any further.
Consumer complaint received 2019-05-21
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. (CA)

This is my second complaint file with the CFPB against XXXX XXXX. They are reporting an account on my credit report as a tradeline instead of an inquiry. I never received money from them. After my first complaint, they reached out to me by phone and stated they are unable to respond to my complaint by letter/mail ; even though, it is stated by law this must happened. The representative who called me wanted to verify information with me over the phone, I mentioned to him, they have all the information they needed, but if they were missing information to please requested in writing. I asked him to please respond to the several letters that I had sent them, and he continued to decline to follow through with the request to submit their response by letter. I do not know what else to do. I have not received a single letter from them since they reported that account inaccurately on my credit report. The credit bureau is also ignoring FCRA guidelines, and it is not removing it from the credit response despite my several attempts to showed them XXXX XXXX did not respond to me in a timely matter. XXXX XXXX is using deceptive practices to report inaccurate information on my credit report, and this is affecting me. How else could you help me with this issue?
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

My Mortgage Servicing Company SLS ( Specialized Loan Servicing ) has confirmed to me verbally by SLS Representative : XXXX ref # XXXX that the payment history as reported on all 3 credit bureaus is INCORRECT. The bureaus state that in XX/XX/2014 I was 120 days late on my mortgage payments which is incorrect. I have never been late more than 60 days. As a result, I have been denied credit and am being charged additional fees and a higher interest on my refinance loan pending. SLS has refused to contact all 3 bureaus to have the account corrected.
Consumer complaint received 2023-07-23
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. (SC)

In accordance with the fair credit reporting acct XXXX XXXX has violated my rights. 

15 U.S.C 1681SECTION 602 A States that 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 an account without my permission In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Consumer complaint received 2020-02-05
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. (IL)

I have written to Trans Union, XXXX and XXXX  several times asking them to do a investigation into a ( filed ) bankruptcy they are reporting on my credit report ... I have sent them letters from the bankruptcy court stating they do not share this information with anyone. So Im unsure how they are validating this negative item that they refuse to investigate. They said they get their information from XXXX but the bankruptcy courts again said they do not give this information to anyone. And my XXXX report is frozen how are they even getting information from them? I sent that as evidence yet they still refuse to remove this information from my report ... this is fraudulent information as it is reported that is was paid/dismissed, this is completely inaccurate I never met with a grantor/trustee nor did I attend court for any bankruptcy ... it was a filed bankruptcy and I immediately withdrew with the attorney and choose to go a different route. I attached two pieces of information showing that they cant possibly be validating this information as stating the bankruptcy court is the reporting agency on my credit report yet they receive the information from a third party!
Consumer complaint received 2020-02-05
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: JPMORGAN CHASE & CO. (CA)

Sometime mid XX/XX/XXXX, my email was hacked which exposed my Chase credit card & XXXX XXXX XXXX accounts. There have been unauthorized transactions in both. 
I reported it to a Chase Bank Customer representative in XXXX CA ( Mr. XXXX XXXX ). 
Two of the transactions on XX/XX/XXXX were refunded. 

A letter dated XX/XX/XXXX indicated the two transactions on XX/XX/XXXX  were deemed I was responsible of. The mercahnt name for both transactions was XXXX. One was for {$2700.00} & the other {$2300.00}. The reason given by Chase for saying that I was responsible was " You received credit from this transaction '.
Consumer complaint received 2019-05-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (HI)

In XX/XX/2018 me and my wife realized our dream of owning a house. We utilized our VA loan both being Veterans. Loandepot.com was what our realestate agent used to procure our loan. However if I would have known I was going to be subsequently harassed with refinance offers from business such as XXXX XXXX XXXX stating that I have some hidden benefit that I am not using. This is a total lie they are trying to get us to refinance which is going upside down on a mortgage payment. I have contacted them numerous times to stop sending me these ads. I feel bad because they are likely to get someone less educated tricking them into financial destitution. This is not right. They should not be allowed to prey on homeowners.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I had fallen behind on my payments with Nordstrom who is partnered with XXXX XXXX for these types of situations. I set up a payment plan in XX/XX/2019 to defer from my account being charged off, no late fees and being reported as paying on time monthly.The payments of {$100.00} would be charged for 3 months, I would NOT receive late fees, and my credit report will be reporting that I am paying ON TIME. However, that is not the case. I had contacted them in late XXXX  about this situation as I kept seeing additional charges and my credit is still being effected. I asked for the call to be pulled and it was. I followed up on XX/XX/XXXX at XXXX XXXX and spoke to a manager from the collection agency who informed me that she needs to confer with the other managers and call me back. She never called me back so I called again on XX/XX/XXXX at XXXX and spoke to another manager at the collection agency about the pulled call. She informed me that I was correct about the agent informing me NO late fees will incur and about it being reported to the credit bureaus as ON TIME. Yet, she said no changes will be made until after the 3rd payment which I advised her already happened. She told me to just be patient, which is not okay. 
I later received a letter that I have another payment coming out in XX/XX/XXXX for {$100.00} which would make it 5 payments NOT 3. It is illegal to continuously incorrectly bill me and report incorrect information to the credit bureaus since XX/XX/2019.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Under federal law, they have XXXX ( XXXX ) days to complete there investigation. Please note that I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days after the investigation is finished.

I have disputed this matter on multiple occasions, and in each instance, they have failed to conduct a thorough investigation. There actions are in violation of the laws outlined in Section 611 ( a ) ( 1 ) ( A ), as you have neglected to provide the required method of verification as stated in Section 611 ( a ) ( 7 ). Furthermore, theyvare also in violation of Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by not promptly removing all unverified reporting. 

I assume you are familiar with the provisions of the Fair Debt Collection Practices Act ( FDCPA ). To remind you of what constitutes legal validation, please find below a list of the necessary documentation : * Complete payment history, as established by XXXX v XXXX, XXXX XXXX XXXX, 2001 XXXX. App. LEXIS XXXX. 
* XXXX by line item, including an explanation for each item such as the purchase date, item cost, receipt of goods, and dates of receipt. 
* Date of Last Activity. 
* My full, complete, and correct social security number for identification purposes. 
* Agreement bearing the alleged debtor 's signature, wherein they agreed to pay the original creditor. 
* The obligation between me and the creditor that authorizes them to collect the alleged debt, along with any relevant transactions binding me to an agreement to pay their company. 
* Proof of photo identification ( e.g., driver 's license, state card, or other government-issued ID ) presented at the time of purchase. 
Furthermore, They have also violated numerous laws of the FCRA and FDCPA, including but not limited to : * 15 U.S. CODE 1692 ( B ) ( 4 ) * 15 U.S. CODE 1692 ( G ) * 15 U.S. CODE 1692 ( D ) * 15 U.S. CODE 1692 ( F ) They have also violated 15 U.S. Code 1681, which pertains to civil liability for willful noncompliance, and 15 U.S. Code 16810, which addresses civil liability for negligent noncompliance.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (IL)

communicated with the company XX/XX/19 - XX/XX/19 - Sent in affidavit of proof that it was not be that opened the account with a police report. Since then the company has not sent an responding information. XXXX - Fraud Investigation Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number ending in - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX ( This account is reporting paid off but this is not my account, I have never attend school here. ) I have never went and opened any account with this bank. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX The following I have never applied for. I Did not give any person or person of that company permission to run my credit. These inquiries are not mine. 

XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I also have filed a police report with XXXX Police department XXXX Report number is XXXX
Consumer complaint received 2023-07-23
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. (PA)

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 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 2023-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (GA)

I recently tried to open an account with Truist Bank. I was informed that there was an account opened in XXXX and fraud committed in XXXX. I have never opened an account with them previously. I've done everything they've asked of me. They said they were sending me a fraud packet to complete. I gave them my correct address and they have refused to send it to my correct address. They sending the packet to the address they have on file. They refuse to tell me the address they have on file. They can't tell me the branch or the location that the account was opened. They gave me the number to a guy named XXXX claiming he was my investigator that I had to speak with him to Gert the paperwork sent to the correct address but that man never answered the phone or returned any of my calls or messages. I've been fighting identity theft since XXXX when XXXX XXXX opened an account with XXXX XXXX XXXX and got a home phone to her house in my name. My sister XXXX XXXX has ruined my XXXX XXXX account stealing and disputing transactions. Truist has refused to let me know anything. The only people that could be responsible for this is XXXX XXXX or XXXX XXXX.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-23
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. (NJ)

On XX/XX/2023 I submitted a dispute with Experian on account through there app which is my right as a consumer I get a reply in three days saying account is not on credit report I have a screenshot of the message that I will attach to this complaint but report has the account closed but negative it is visible
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC (OH)

I was not ever contacted or notified in any way by this debt collections company. 
I all of the sudden saw a huge drop to my credit score, which I work very hard to upkeep. 

I have no letters or voicemails of information on this debt in collections except the little information I found on XXXX XXXX. 

No one will answer the phone at their company and there is no way for me to access their online assistance without a reference number which I obviously do not have since IVE NEVER BEEN CONTACTED BY THEM.
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

Contacted the original company the debt was owed too. I inquired about the status of the debt. I was informed this company, XXXX and XXXX law firm now had the debt and was given information to contact them. I contacted them and was successfully able to speak with XXXX on XX/XX/XXXX. She informed me that there was a Do Not Contact on my account, however they did not have any phone number listed on my account. Additionally, she shared that they received returned mail on XX/XX/XXXX from a XXXX XXXX . I clarified I did not maintain that XXXX XXXX . She explained that they was a lawsuit filed on XX/XX/XXXX for the amount of {$6800.00}. I inquired about how that could be when I had never been contacted nor received any mail from them. She transferred me over to attorney, XXXX XXXX XXXX. When speaking with Mr. XXXX he inquired about my XXXX XXXX address and I believe he took the correct one down. He informed me that their office received a letter from a person with similar name as mine from an address that was not associated with me. However, it was clarified the letter was signed by me. Mr. XXXX stated he would follow up with me. I have contacted the office now three times and have not been able to reach Mr. XXXX, nor have I received clarity on what is going on. I contacted the office on XX/XX/XXXX and XX/XX/XXXX. I was able to leave a message for Mr. XXXX.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello I have a closed mortgage on my credit report. Its reporting late. I was never late the company said that It will remain late because its closed. I told them my mortgage was automatacly been deducted. I reaally need my credit showing postive. With all the goodness in your heart. I XXXX  both of my XXXX in a XXXX accident. I XXXX  XXXX for a living. I really need these lates removed I dont understand. Please godbless you and your family
Consumer complaint received 2020-02-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX after struggling to make payments because my interest rates are over 9 % and 11 %. Finally at this time after reviewing financial information they were able to grant me interest rate reduction ( 6 months at 6.5 % ) to help pay my loan. For the first loan it lowered my monthly payment to XXXX and the other XXXX. In XX/XX/XXXX I checked my account online and realized that even though my payments were automatically debited at the lesser amount, the interest rate wasn't reduced. I called customer service and they explained that a disaster forbearance was placed on my account ( never explained why ). Finally they made the interest the proper 6.5 %. 

Then I realized that the proportion of my loan was being paid just to interest and nothing to principle. Therefore, they were taking less amount each month but never attributing anything to interest. The documentation will be uploaded of this. They corrected the month of XXXX for each of these loans. 

I called customer service over 5 times during XX/XX/XXXX and XX/XX/XXXX and explained that corrections needed for XX/XX/XXXX payment and XX/XX/XXXX payment. I speak with the supervisors. They promise they will call back and never return my calls. 

My issue is they are incorrectly allocating my payments to not all me to pay principle down. Even after multiple attempts to fix and rectify this they have not for those two months.
Consumer complaint received 2023-07-23
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. (CA)

I have contacted XXXX credit reporting agency in regards to this matter to dispute the claims of past due balance reporting false and negative info on my consumer report. The information keeps reporting after several attempts to correct this problem.