davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-28
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)

I  have asked Experian to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Section 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosure. My first reques t was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . My second request was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Experian has denied my right as stated on FCRA. I ask you to step in and demand Experian to follow the law and provide me a complete file disclosure for the disputed accounts on my credit report.
Consumer complaint received 2016-04-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Thomas Agency, Inc. (WA)

Back in XXXX I moved from XXXX to XXXX. Before the move, I had went to USPS to place a forwarding address to send all mail to my new XXXX address. Well apparently, XXXX bills that I owed never got sent to the XXXX address as it should have. Anyhow, as you can imagine, during the moving process, settling into a new place/home, finding a new job kind of taken my attention away of the XXXX bills I knew I had to pay for when the bill came in the mail. 

About 5 months had passed and I believe a lady in XXXX XXXX called me from The Thomas Agency saying I have some bills to pay on and can do so over the phone right now. I immediately said what bills and explained I have n't received any bills from XXXX since being here in XXXX for 5 months. I told her I wanted those to be sent to me asap so I can review them myself to make sure I actually still owe the correct amounts before making any payments. I also only make payments with a bills statement. This lady was going to go ahead and wanted me to pay on the bills over the phone without even explaining to me what each bill was for. I told her I refuse to pay on anything until I see the bills and the lady hung up on me unprofessionally. I never heard from anybody from the Thomas Agency nor received any of the bills in the mail since. 

I received a new credit card some time back XXXX of XXXX so that led to a credit score report generated and that is when I saw the XXXX bills from the Thomas Agency. I went on their website to contact them but found out I could pay on the bills on their website which I would have done back in XXXX if the option was ever given to me then. Anyhow, so I paid off XXXX of XXXX bills then paid off the last bill on the following next pay check. All payments were made by Auto-Withdrawals from my XXXX account. 

Recently, back on XXXX XXXX, XXXX I purchased a new car lease and that generated another credit score report. I went onto my XXXX account to generate a free credit report for myself and that is when I saw XXXX bill from the list from The Thomas Agency for {$130.00} listed as STATUS : Unknown when it should be STATUS : PAID. I sent them my first email on XXXX/XXXX/XXXX to get a status on this but I have not heard back from anyone there. I sent a follow up Email asking for a response again but added if I did n't hear back from them soon after 2-3 days that I would escalate this issue myself and here we are.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Company is in violation of 5 U.S. Code 1681, also known as the Fair Credit Reporting Act, contains congressional findings and a statement of purpose for credit reporting agencies.

The findings and statement of purpose include : Confidentiality : Information must be kept confidential.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weltman, Weinberg & Reis Co., L.P.A. (AL)

I have received numerous calls from the lawfirm weltman weinberg & reis and have explained time after time multiple facts to them. First, I want a debt validation letter from whoever they are representing per FCRA guidelines. I have received no validation of any kind. Second, after I receieve this letter I inform whatever representative for this law firm that I want a cease and desist on all collection efforts including phone calls and letters. I continue to receive multiple phone calls after requesting a cease and desist multiple times. This is a clear violation of any Cease and Desist guidelines and TCPA regulations. The next step in this process will be having my attorney review any and all collection efforts and moving forward with litigation. As I have stated I have been quite clear in the countless times this law firm has contacted me. It has never been a different representative each time they call and I explain the same information to each one. I want a debt validation letter, after I receieve the letter I want a cease and desist regarding all communication efforts but have seen a total lack of understanding and awareness to FCRA, TCPA and Cease and Desist laws
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I had a second mortgage on my home with TD Bank. I did a deed in lieu with XXXX XXXX- they came to an agreement with TD Bank to satisfy my second mortgage they agreed to accept around XXXX less. This still shows as an open real estate and delinquent loan on my credit report- which is affecting my score and hindering my ability to buy or rent. I spoke with XXXX XXXX at TD and he has insisting that my house was a short sale. It absolutely was not and I have the paper to prove that it was a deed In lieu and that the lien is satisfied.I Purposely deee in lieu to avoid a short Sale As I know What a nightmare they can be. There is a house in XXXX XXXX XXXX XXXX that was a short sale my house XXXX XXXX XXXX I tried to explain this to XXXX XXXX but he insisted that it was a short sale and that he was getting a different story from XXXX XXXX -she is actually the one who helped me get the deed in lieu approved with TD accepting the lower amount- She was very helpful. I think she may just be confusing in my house with the other one because it absolutely was not a short sale and they would not have any papers proving that my address from my name or my signature with a sale- I have the papers showing it wasnt a short sale it was a deed in lieu and they have no papers showing my house was a short sale with my name mortgage or address. It would not be possible because it did not happen.

I sent several emails requesting this to be satisfied XXXX XXXX forwarded them to XXXX XXXX who called me- I told him I had the papers -he insisted I send them to him which I did and I never heard from him again or anyone from TD even after follow up emails. I sent emails to at least one or more TD representatives at TD Bank on the following dates XXXX and today informing them I was opening the caseXXXX XXXX in Loan Operations signed off the satisfied loan.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capitol One ( herein after " CP '' ) has a practice where upon approval, use and after one or two payments of its initial credit card, it immediately issues the consumer a XXXX CP credit card to use at their own discretion. 
After use of the XXXX card ( in using XXXX cards ), CP sends statements as if for XXXX cards but the statement information shown is for only XXXX of the cards. Also, paying on-line through the internet : CP applies the payments to only XXXX of the cards leaving the XXXX card to appear as if it is delinquent thereby escalating fees -- late charges, over the credit limit, interest where all this is rolled into and compounds the monthly payment. 
Upon my pointing-out this practice to Capitol One, noticing the payment without a logical explanation, leaped from about under {$100.00} to over {$300.00} ( XXXX dollars ) within one month, CP refunded/deducted the {$300.00} dollar fees but reverted to this practice with my cards about a couple of months later. This included on-line payments when in the confirmation page is flashed quickly but non accessible having no printable confirmation. It even appeared and still does, that my card had been compromised by fraudulent charges. There was nothing to explain these high payments due when payments and calls were being made to the company timely consistently. In addition, about the second time I called about this CP practice, it said that a payment had been returned in XX/XX/XXXX for NFS, and not resolved which would not be the case when payments are made each month on line or called-in by phone. CP continued to try and attempt saying two months of payments were not made on XXXX of the cards. Payments were made on-line timely and directly from my automatic payment from my bank. I believe the alleged two months of " missed-payments '' is in retaliation for my first showing to CP its fraudulent practice ongoing since then. As of XX/XX/2016, upon getting no resolution, making them aware and letting them know that further action would be taken for CP continually misappling my payments for the purpose of increasing fees and interests. CP by its fraudulent practice has in attempts to increase collecting fees and interest and in retaliation has attempted to impact my credit score, if it has not already done so.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy federal has a zero liability policy for account holders but does not hold up to it. I reported fraudulent ATM withdrawals on my account that I hadn't received the actual card for. Only card I had was the digital version they sent to my email which means I wasn't able to physically pay at a store or withdrawl money. My phone doesn't support tap which I can show and prove. It's the only device that's on my account. I was told by navy Federal that my claims were denied because no error occurred but no investigation was done at all. They've been sued before for these same practices. For not doing their jobs to make sure. Every ATM has cameras. Every store has cameras. They can easily pull the camera footage or store footage but instead they've chose to do nothing. What's the point of having us report fraud when the bank does nothing about it. Certain online charges I told the bank it was me but I wasn't able to make in store purchases or withdraw from a ATM without the card. I also see the bank included some of the charges I said I authorized into the unauthorized ones making them basically void the whole claim. Banks do this to avoid honoring fraud agreements or their zero liability policy or a way to deny the whole claim. I had navy federal on 2 other phones which were stolen. I called into navy federal to do a whole reset of my account which they reset everything and then locked me it the account for days for trying to login to my app on the only device that is linked to my account. This has been the worst experience at a bank. I've been with them for almost 3 years with no problems until now.
Consumer complaint received 2017-01-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Acceptance Solutions Group, INC (OH)

In XXXX, I needed additional cash, so I applied online at XXXX or ASG. Everything was fine initially with the installment loan. I received an offer to obtain another loan so I took advantage of it. That is when the nightmare began. they began taking out double payments from my account. I had to end up closing the account. There is a person there named XXXX who is the most disrespectful and unprofessional person I have ever spoken to, they have taken money out of my account so many times now its unreal. This is horrible, wish I had never taken the loan. XXXX claims to be a supervisor, whoever he yells at me and is so condescending.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Cornerstone Home Lending Inc. (TX)

We just purchased a home, and promptly paid our first mortgage payment according to the loan payment statement I received in the mail shortly after we closed on our home. Our payment was due XX/XX/XXXX, and the mortgage company cashed my check on XX/XX/XXXX. I received a letter a few days later that our account number had changed, and did n't think anything of it, as the previous account number was written on our already cashed check. We received this month 's statement in the mail yesterday, showing an overdue payment for XX/XX/XXXX. When I called, the customer service representative indicated they had no way to know that I paid on the old account number, that when loans are sold and account numbers change, they do not tie the XXXX account numbers together, and they would have just cashed the check and it would sit in a pile of money until I called to complain and then they would research to find out which new account to apply the payment to. I am pretty sure that is not how a servicing company is supposed to handle loan payments, especially when they are sent in accordance with the instructions received and the original account number.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (FL)

The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XXXX XXXX, XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XXXX of XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all XXXX credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only one mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than one mortgage. The Lender also failed to do the following in order to perform the correct research regarding the false information they are stating are on her credit report. 1. Supplemental Credit Report and 2. The XXXX a repository of information that enables underwriters to find all sorts of information related to the borrowers. 
We feel that SunTrust did not respond to our above addressed concerns and are requesting that re-review to be submitted
Consumer complaint received 2016-11-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (VA)

I received a letter from the company and the validation tells me nothing. Who does this doctor work for? Where was this test taken? This doctor is not one I have ever seen or heard of, if he was contracted to review a test then who did the test and where? I will not pay for something I know nothing about and this letter provided no answers.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as XXXX XXXX XXXXXXXX Account XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-09-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

CREDENCE RESOURCE XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Unauthorized Information Disclosure under 15 USC 1681 Dear Sir/Madam, I am writing to dispute certain information that appears on my credit report maintained by your bureau. Pursuant to the provisions outlined in 15 USC 1681, it has come to my attention that you have been furnishing and obtaining my personal information without my written consent. 

Upon reviewing my credit report, I discovered several entries that I did not authorize or provide written consent for your bureau to obtain or furnish. Specifically, Credence Resource Mana # XXXX balance XXXX. It is essential to note that I have never provided explicit written consent for the disclosure or acquisition of this information by your bureau.

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681b, it is mandatory for consumer reporting agencies to obtain written consent from individuals before providing their consumer reports to third parties. Additionally, under 15 USC 1681c, consumer reporting agencies must also provide a summary of rights to individuals who request their credit reports. However, I have not been notified of such actions nor have I provided authorization for such disclosures.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I got a hard inquiry on my XXXX account through XXXX XXXX when I check my score went down and there was a capital one credit card opened under my name I talked to the bank and the credit bureau I believe my information got leaked when I check my XXXX account they put my old address and a different phone number associated with that card they opened accounts under my name and I want to get rid of the inquiry
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened my Capital One Secured Platinum credit card on XX/XX/XXXX, got my card XX/XX/XXXX. I got my first XXXX on XX/XX/XXXX. A few days later it was reported to my XXXX credit report only. it is now XX/XX/XXXX and my credit card has not been reported to my other credit bureaus... it should not take this long for it to be sent and reported. Usually within the first 30 days the credit card is reported to the credit bureaus. 


Attached are screenshots from ( XXXX XXXXa XXXX account ( XXXX ) ) and XXXX Accounts