davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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. (TX)

I am writing again to file a formal complaint against Experian and XXXX for willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and XXXX subsequent deletion of the collection account in question, both Experian and XXXX continue to report the inaccurate and unverified collection account on my credit reports. This action directly violates federal law and has caused substantial damage to my credit standing, for which I am now seeking monetary damages. 

Background : I disputed a collection account reported by XXXX XXXX on all three credit reports ( Experian, XXXX, and XXXX ). 
XXXX completed an investigation, determined the account to be inaccurate or unverified, and removed it from my credit report. 
Experian and XXXX have refused to comply and continue to report the collection account as valid, despite the lack of validation and XXXX removal. 

Violations of the FCRA : 1.Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Both Experian and XXXX have failed to meet this obligation by continuing to report inaccurate information that XXXX has determined to be invalid. 

2.Failure to Investigate and Correct Errors 15 U.S.C. 1681i : As part of my dispute process, I requested an investigation into the validity of the collection account. Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation into disputed information. The continued reporting of this collection account by Experian and XXXX, after XXXX deleted the account, indicates that these agencies have failed to conduct proper investigations and have not corrected the erroneous information on my reports. 

3.Willful Non-Compliance 15 U.S.C. 1681n : Both Experian and XXXX have willfully failed to comply with their duties under the FCRA by continuing to report the inaccurate collection account. Their refusal to correct these inaccuracies, despite evidence provided during the dispute process, constitutes willful non-compliance, for which I am seeking actual and statutory damages as allowed by law. 

4.Negligent Non-Compliance 15 U.S.C. 1681o : In addition to willful non-compliance, Experian and XXXX have acted negligently in maintaining inaccurate information on my credit reports. As such, I am entitled to recover actual damages and legal fees as provided by 15 U.S.C. 1681o.
Consumer complaint received 2018-08-23
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 (NJ)

A complaint has been submitted to the CFPB regarding the lack of support from XXXX XXXX. I have recently been of victim of some type of scam involving both of my CapitalOne credit cards. I spoke with a representative from the Executive Office from Capital on XX/XX/XXXX and advised I would be able to provide any documentation that is needed showing I only made payments from my XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX accounts. The payments were just made through the mobile app that is provided by the Institution. The Institution advise the payment were made through a XXXX XXXX  account in which I explained the situation numerous times and filed a police report ( see attached ). There has been no communication for the past month regarding the issue. 

XXXX XXXX needs to be put on notice there must be some kind of fraudulent activity plaguing their Institution. I just received an instant message from someone on social media on XX/XX/2018 ( please see attached ) stating they work with an Insurance Company for XXXX XXXX. This is the same information that is depicted in the attached police report at the beginning of XX/XX/2018. 

CapitalOne has a practice if the payment is made with an account other than the owner, the payment will not be accepted. I know this because CapitalOne contacted me when I paid a bill for my child 's aunt.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My issue is with all three bureaus as well as the following collection agencies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
I sent a letter of verification dated XX/XX/18 to all three bureaus, but received responses that the debts were verified as accurate and the accounts remained on my credit report. 

I sent follow up letters to each bureau, dated XX/XX/18 asking how the bureaus verified the accounts without documentation bearing my signature. The bureaus failed to enforce the creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX and XXXX XXXX XXXX to show proof of any such accounts. 

XX/XX/18, I then sent a validation of debt, directly to each of the collection agencies with either no response or responses that were not validations. 

XX/XX/18, I sent yet another letter to the bureaus stating that the companies havent responded or failed to prove the debt and to date, have not received anything from either bureau! 

Today is XX/XX/18! Ridiculous! This all literally started in XXXX and its almost XXXX. Do companies no longer have to abide by the law?
Consumer complaint received 2018-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Account Ending in XXXX : Transaction as Credit of {$3000.00}, which never was placed back into my account from XXXX XXXX claim # XXXX. On XXXX XXXX transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XXXX XXXX @ XXXX XXXX. she gave me the same claim number for another transaction dispute done on XXXX XXXX in the amount of {$3000.00}, for XXXX again. I called XXXX  on XX/XX/2018 spoke with XXXX and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XXXX XXXX for an temporary credit adjustment for claim # XXXX, but was not issued on XXXX XXXX into my account. I have called several times to resolved the issue, but have not. It has been 5 months and account still the same. I felt that Bank of America discriminated, delayed responds, non-responsive, used inaccurate information, retaliated against me when I filed my complaint. Account ending in XXXX I had the same problems with on XX/XX/2018.
Consumer complaint received 2018-08-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Oracle Financial Group LLC. (TX)

On XX/XX/2018 I received a voice message from a XXXX XXXX at XXXX stating to be from a law firm. Additional family members where contacted from Mr. XXXX and as well given my confidential information. I advised Mr. XXXX that I am willing to contact XXXX XXXX and make any arrangements. Mr. XXXX stated that I was unable to make any arrangements with the company and I needed to make a full payment today if unable to make a payment arrangement with him. Mr. XXXX stated her would be filing a motion for civil and criminal action against me if I did not complete a payment arrange. Mr. XXXX stated that I had committed a crime. Mr. XXXX stated that a freeze would be put on all license and any additional purchases that I make. Mr. XXXX attempted o provide me with his contact information instead of XXXX XXXX. I advised Mr. XXXX that I would need documentation from XXXX XXXX. Mr. XXXX forwarded me to his Director and the Director advised me of all payment options. Once declined and asked for additional options, the Director advised me that criminal action would be taking against me  and hung up in my face.
Consumer complaint received 2023-02-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Lendmark Financial Services (PA)

A debt validation letter, along with a cease and desist letter had been issued to the company above. They continue calling me disregarding they cease and desist, as well as repossessed my car without responding to the debt validation letter. I would like to enforce my right to resend this contract, and retrieve my vehicle, title, and money paid towards the alleged loan. Please help me. I have XXXX children. I never received the letter as giving me the option to resend the contract.
Consumer complaint received 2018-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

I HAVE APPLIED FOR HARDSHIP ASSISTANCE DUE TO A REDUCTION OF INCOME THAT STARTED THE WHOLE HARDSHIP IN XX/XX/XXXX. I WAS DENIED BY MY SERVICER WHO ALSO HAPPENS TO BE MY INVESTOR CHASE DUE TO " CHASE SERVICES THE LOAN FOR AN INVESTOR OR GROUP OF INVESTORS WHO HAVE NOT APPROVED A MODIFICATION BASED ON THE RESULTS OF THE CALCULATIONS OF THE NPV ''. WELL THAT MAKES NO SENSE BECAUSE A HARDSHIP IS BASED ON VERBIAGE OF A SITUATION AND FACTS WHICH THE NPV IS NOT TAKING INTO CONSIDERATION AS IT IS AN CHEAPLY DESIGNED UNDERWRITING ENGINE. THEY DIDNT EVEN COMPLETE IT FULLY AS MY INCOME IS NOT ADDED IN, PRINCIPAL RESIDENCE TOTAL HOUSING EXPENSES ARE NOT ADDED AS WELL. IT LOOKS LIKE THEY PICK AND CHOSE WHAT THEY FEEL THEY NEED TO ADD TO RENDER A DECISION IN THEIR FAVOR AND I WILL NOT TOLERATE IT. CHASE WILL NOT VICTIMIZE ME AND TAKE MY FAMILY HOME BECAUSE YOU WANT MY PROPERTY. 

FACT : XXXX MY REDUCTION OF INCOME DROPPED TO {$84000.00} WHEN MY NORMAL INCOME IS ABOVE $ 150K A  YEAR. MY INCOME INCREASE TO {$170000.00} FOR XXXX WHICH IS MY NORMAL INCOME. I UNDERSTAND MY INCOME TODAY IS HIGH AND THE PROPERTY IS AFFORDABLE, HOWEVER MY INCOME IN XXXX WHEN I WAS FIRST DELINQUENT IS THE ISSUE THAT BROUGHT ME TO TODAY. I COULD NOT MAKE A MORTGAGE PAYMENT WITH THE REDUCTION AND WHEN MY INCOME INCREASE I GET DECLINE FOR MAKING TOO MUCH. MY INCOME HARDSHIP HAS BEEN CORRECTED AND NOW THAT ITS CORRECTED CHASE DOES NOT WANT TO HELP. I WILL FILE A COMPLAINT WITH MY STATE ATTORNEY GENERAL XXXX XXXX IF NEED BE, I WILL NOT LOSE MY HOME DUE TO CHASE FEELS IT UNNECESSARY TO PROVIDE HARDSHIP ASSISTANCE BECAUSE MY HARDSHIP IS NOW CURED. THIS IS RIDICULOUS!!
Consumer complaint received 2024-10-07
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-07
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 am now requesting proof of the previous investigation, Dispute Report XXXX from Experian. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late. Account : XXXX XXXX XXXX XXXX all accounts says XX/XX/year> 90 days late. It appears 12 times reporting late, no record of 30 or 60 day late, just 90 days.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

After 13 years of card membership and no significant issues, and without warning, Discover Card chose to close my account on XX/XX/2018, exactly 1 month after increasing my credit line by 40 % ( from {$1500.00} to {$2100.00} ) on XX/XX/2018 -- following a review where they stated : 1. " Congratulations! Due to your overall excellent credit management, we've increased your credit line to {$2100.00}, of which {$1200.00} is available as cash. Your new credit line is now active to give you more purchasing power and flexibility when you need it. '' 2. Why did I receive a credit line increase? " To recognize the responsible credit management you have demonstrated over the years, we have increased your credit line. '' 3. Did Discover pull my credit report to make this decision? " Discover receives a copy of your credit report each month for maintenance using soft inquiries, meaning there is no impact to your credit. This information was used in making the decision to increase your credit line. '' Nothing changed on my credit profile or report, the account was in good standing, paid on time with had no recent late payments, and had a balance of {$0.00}. My credit score remains " good. '' Either their processes and procedures are inconsistent, undefined, or they are completely incompetent.
Consumer complaint received 2024-10-07
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. (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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was contacted by a company using false and deceptive language who failed to inform me that they are a debt collection agency untill after i provided my information. ( Name, phone number, date of birth, social security ). After i gave those information the company then inform me they are trying to collect a debt that they had purchase. Because of the nature in which the information was collelled, now of the information can henceforth be lawfully used against me to collect on this alleged debt. I informed the company that since they had purchase the debt, i was removed from any obligation to dissolved this debt as they are now the owner. I asked for a validation of debt which must include the original creditor, the chain of custody of the debt, the purchasing agreement of the debt etc.They company threatened me that they will negatively report to the credit agencies to which i explicitly informed them that i did not consent to them reporting to the credit reporting agencies except conditionally for {$250000.00} for each report furnished to each agencies and for each new month they reported the information. I contacted the XXXX major credit reporting agencies and informed them that they were reporting a inaccurate information as i did not owe this debt nor had any obligations to it. I also informed them of my conversation with the company and that the company was issued a verbal contract. I issued them the same verbal contract for {$250000.00} conditionally to furnish this information on my credit file which is negatively impacting my contracting capacity, and injuring my estate. All companies where aware of verbal stipulation and expressed understanding therefore fullfiled contract performance. I am therefore making this complaint to the CFPB to have this account removed from my credit file immediately and to demand that the companies involved issue payment to XXXX XXXX for all contracts fulfilled. I am also requesting that the CFPB forward this complaint/demand for payment to any and all appropriate Bureaus, and or agencies external of the CFPB. All credit reporting agencies were made aware of the aforementioned but still furnished this information on my credit file even after their investigation. The credit agencies are consistently demonstrating a broad scope of disregard for my consumer rights. I am now formally petitioning the CFPB to investigation the matter and pursue legal actions against these agencies and this is now a documented pattern of adverse behavior against consumers envoking their rights. 
All Rights Reserved UCC 1-308
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I am writing to formally dispute a collection account from XXXX XXXX XXXX that you continue to verify as accurate in my credit report. I have contacted both XXXX and XXXX XXXX XXXX multiple times, requesting documentation to prove that I have an account with this company. To date, no such proof has been provided. 

I do not have an account with XXXX XXXX XXXX. Therefore, they have no basis to collect a debt that does not exist, nor should they be reporting inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and verifiable. By failing to remove this unverified account, you are in violation of 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ). 

I am requesting that XXXX immediately block and remove any information related to this fraudulent account, as I am reporting this as an instance of identity theft. The failure of XXXX XXXX XXXX to provide evidence of an account number, payment history, or any legitimate connection to me is clear. If this issue is not resolved, I will pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

This account was charged off on the following date XXXX XXXX XXXX  of charged off. 
Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history. A charged off account should NOT include an active payment history.This inaccurate information falsely manipulates the statute of limitations. 
You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the Following account. 
Account Name - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-07
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. (NC)

When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX XXXX Balance Owed : {$710.00} CB/VICSCRT XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/2018, Nationstar Mortgage LLC dba Mr Cooper sought out and convinced my parents to refinance their mortgage. Their names are Mr and Mrs. XXXX XXXX XXXX, XXXX. They both passed away on XX/XX/2018. This is when this came to light. My parents were both old, XXXX and XXXX, and both had major illnesses that would have prevented them from entering into a contract of any kind on their own. My father suffered from many health issues including early XXXX. This was a case of predatory lending at its worse. They had a 30 year mortgage that they were 10 years into. Mr cooper redid this into a 15 yr mortgage to save 2 % but added nearly 7k to the note. This didn't even make sense. My parents did not enter into any contract unless my sister, caretaker, or myself was present. They preyed on them just so they could make commission. This is criminal. I've asked for this to be searched out before and the NC Attorney General is also researching it as fraud due to predatory lending. Their acct number is XXXX. I am including the clerk of court filing and a notary letter giving any and all permission for me to handle this for the estate.This has cost the children of the deceased their childhood home.