davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account XXXX : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EQUIFAX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Consumer complaint received 2016-03-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (CT)

I have numerous private student loans originating from 2003 along with federal student loans. I did n't finish school my first time around after becoming pregnant and quickly seeking a job to help assist in raising her. Trying to get out of my financial troubles I forged ahead to go back to school. My student loans in the meantime ran out of deferment and forbearance time period and became due while I was in school. Eventually, finishing school and finding a job and an apartment while caring for a child without assistance, I have always had the upward battle of trying to pay off my student loans. It has always come down to choosing to pay my bills for the cost of daily living versus student loans. I became so far behind I just could not keep up with them and it spiraled out of control. When I tried to ask for lower payments it was n't granted and my immaturity and lack of knowledge made me think I had no other options but to default, by the way the lenders were presenting me with the information. They offered my large lump sum settlements in the amounts of $ XXXX plus, things just unrealistic when I 'm living paycheck to paycheck. Now I am being sued with possible wage garnishment that I ca n't afford. There are lessons to be learned here, but what I am most sad about is that I have a child who is almost XXXX and a XXXX who o can barely support because of debt I accrued when I was XXXX/XXXXyears old. If only I had known better I probably would 've went to a state school rather than private school.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

In XXXX, XXXX. I contacted XXXX credit card due to having medical issues.to I was told my only option was to use their hardship program. Unknown to me I was under the assumption that the payments would be reduced. However, when I tried accessing my account online the company 's website does not allow me to do so. Asks me to reset password, then when doing so still denies me access. At this point I am unable to see any information on my balance, payment activity. 
My understanding this reduction in payment was to be temporary status. However in calling them on XX/XX/XXXX. I was told by the company 's rep XXXX that I no longer have access to my online credit card information as the " Account is closed ''. I never authorized the closing of this account when we discussed the hardship program. 
I was transferred to the XXXX XXXX XXXX XXXX me I have no access to my information. That the only notice will be sent by email with balance and due date. If I want to make changes on my account I need to call up to the company for them by phone to make changes. So literally this company due to make hardship status is trying to strip me of having any dignity. Because the close the account, close your online access with an outstanding balance, and limit you with rights to make changes. 
This company is unfair to consumers in need of assistance. I spoke to a Manager XXXX in collection and he agreed my account has limited control. Which is NO control. This hardship program is terrible. This company needs to modify it. I had no payment problems until XXXX to XXXX months ago. And asked for relief for XXXX months not a year. And never would have just Closed my account. 
I have attached screen shots of me attempt to access my online account with XXXX XXXX. If they are doing this to me- I can only imagine the other customers experiencing the same issue. This is unfair and takes person 's rights and dignity away.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2016-03-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (PA)

I have a credit card account with Best Buy Credit Services. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( XXXX XXXX XXXX ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH Citibank ( Best Buy ) and XXXX. Despite my attempts to make payment, Citibank wo n't take a payment and refers me to XXXX. Furthermore, XXXX indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is Best Buy billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is Best Buy still billing me? Why is XXXX indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). XXXX has also advised that interest and late charges can still accrue, which suggests that Best Buy has not passed they debt. Please help.
Consumer complaint received 2016-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

The numbers on my loan do not add up, and I have contacted the Fedloan Servicing Ombudsman and made multiple attempts to work with FedLoan Servicing Directly. 

For example one of my loans states the following. 
Original Balance : {$22000.00} Unpaid Interest : {$1900.00} Current Balance : {$27000.00} ( The balance based on the Original Balance and Unpaid Interest should be {$24000.00} not {$27000.00}. ( Where did this additional {$3000.00} charge come from? ) There are numerous unexplained charges like this. Approximately a year ago my balance was {$150000.00} then it went to {$180000.00} without any actual explanation. 

All this documentation is attached to the complaint. 
I have made all monthly payments, and will continue to do so, but I do not understand how FedLoan Servicing, is racking up phantom charges and interest. I fully intend to pay what is owed, and what I borrowed for school, but there is currently about {$40000.00} of unexplained charges, which interest is being applied to. 

I would appreciate any help CFPB could provide me to ensure that these balances are correct. 

XXXX XXXX
Consumer complaint received 2023-06-08
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30  days. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MO)

My Equifax report said I lived in XXXX XXXX. XXXX. I have lived in XXXX. for over 40 years. When I wanted to open a XXXX account I was denied because I answered questions about living in XXXX. wrong. I have never lived there. Tried to call Equifax and could not talk to someone.
Consumer complaint received 2016-05-03
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: AES/PHEAA (CA)

A letter was sent to this company on XXXX XXXX requesting validation of this debt and to request all further contact be via mail only. 

A letter was sent by me and by my husband who was a co-signer on this loan. Delivery for both letter was confirmed on XXXX XXXX ( can provide tracking numbers ) My husband has received XXXX documents from them that do not apply to the debt they are collecting and has someone else 's social security numbers on them so I know this letter has been received. However they have not responded to my letter. 

They have continued to call my house, my husband 's place of employment and my cell phone number listed above. The last voicemail left on my cell phone was XXXX/XXXX/2016 at XXXX. The last call to my house was XXXX/XXXX/2016 at XXXX. 

My husband has asked them when they have called him at work not to contact him and they have continued to do so. This is a company with no respect of the law trying to collect a debt that has been passed through at least XXXX different collection agencies none of which can provide proof of debt or proof that they have the master promissory note.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Capital One continues to send me credit card offers in spite of my opt out recorded within the XXXX credit bureaus for all marketing offers. I repeatedly called their office to rectify and to this day, still receiving their marketing offers. I have never conducted business with them or its affiliates and presently have fraud alerts on my credit bureaus so not sure why they keep mailing these to my home. I have called in to take my name off of mailings, but they still continue to arrive against my request. This is a clear cut violation of law and completely out of compliance with Regulation P - GLBA Privacy Rule. Please take action to have them cease these communications. Honestly, I would never do business with them since they can not simply record my privacy preferences in an efficient manner, The offer is coming from Capital One, XXXX XXXX XXXX, XXXX, VA XXXX. The product offer states " Venture One Rewards '' expiring on XXXX/XXXX/15. It is labelled " your no hassle application ''. Reservation # XXXX, Access code XXXX. Such actions are annoying, abusive and a real inconvenience to have to continuously take action when several reasonable attempts were made to stop. All I want is for them to remove me from their mailing list and systems. Thank you.
Consumer complaint received 2023-06-08
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2016-10-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Management Group, Inc. (GA) (GA)

Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by RMG creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

RMG, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am not a credit repair agency. I am writing this today insisting that the following unauthorized information on my credit file is deleted. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. There are fraudulent accounts and derogatory remarks being reported on my file that need to be removed. I would appreciate it if the items I have listed below are removed as soon as possible. This fraudulent activity is hindering my family and I to live a decent life. 




THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This complaint is reference to Capital One account. Did not receive any letter or post card on the TCPA class action lawsuit. 
Requesting verification if the following phone calls, ( see attached Capital One calls ) if they would have been included in the past Capital One TCPA lawsuit and if they were why I never received notice.
Consumer complaint received 2023-06-08
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)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, and XXXX have viol

ated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate. I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

Since around XX/XX/2021, I have attempted to transfer funds to the external account I funded this account with. After repeated failures directed at the " account provider '' I have called 10 times for assistance in resolving the inability to transfer. Again, this external account, is the exact account used to fund the account. After long holds and multiple calls. I am told the issue is handled. I input a new transfer request and it fails again. Calls with the rep to my external account confirm ownership however Citi wanted me to change the name on both accounts to include full first middle and last names. I took this step at added cost to me to provide notaries copies and mail documents to Citi. After name updates on both accounts, another transfer request failed. I deleted all external linked accounts, added back the original along with two others. Trying a new external first, failed once again. Trying the newly reverified original account, failed again. Message received point to " account provider '' tho I am told on the phone is must be a problem with my external bank, both of which confirm no attempted transfer occurred.
Consumer complaint received 2015-04-08
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC. (AL)

I could not dispute because I have already got my free reports for the year but when trying to work with XXXX, I was told that XXXX XXXX had reported on my report as themselves and Cash Call which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans and then suddenly XXXX had the loan and then Cash Call is now trying to collect. It is listed double on my report. They are all the same people. I have researched this and many states are filing suits for these illegal loans where this company has been collecting from consumers in states where they were illegal and were made to refund their money back. It should not be reported XXXX with XXXX different companies asking for the same thing. I have nothing signed that says I have loans with XXXX XXXX or Cash Call, but what has happened is they are using all XXXX names to collect and finally Western Sky shut down, then XXXX XXXX, and hopefully the figure out Cash Call with the other states. Alabama is just behind but I feel like at some point it will be illegal here to.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One promised a low interest rate that was never honored and then increased interest rate over 24 %. I just want this predator deceptive Bank removed from XXXX, XXXX & XXXX or willing to share with Congressman XXXX XXXX and speak in XXXX, and discuss how Big Banks appear to be Untouchable!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While window shopping for a car deal, during my discussions with the car salesman and even the financial manager, I was specifically told that my credit report would not be pulled so that no hard inquiry would result. However, the very next day I checked my credit score and it had decreased because of XXXX hard inquiries by the car dealership. I never authorized them to pull my credit report. I have written a letter to the car dealership and have even placed a call to speak with XXXX of the financial managers. The financial manager with whom I spoke told me that he was going to investigate. It has been over a week and nothing has been resolved. The XXXX hard inquiries still show up on my credit report.