davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/2019 To whom it may concern, I would like to file a complaint regarding Capital One. I called Capital One this XX/XX/2019 to have my ex-wife removed from an account she is a co-applicant. Back in XXXX I was exploring debt relief options and this was my reason for requesting her name be removed. Note she never used this account. I was told no problem by Capital One and they would remove her name. I also, asked my account be closed. Unfortunately, I failed to get documentation from Capital One she was removed from the account. Please NOTE I would never had closed this account without her name not being removed. I know enough that once an account is closed you definitely can not request a name to be removed. 

My ex-wife messaged me the week of XX/XX/XXXX that her credit report showed late payment from Capital One. I was totally surprised and caught off guard because I thought her name had been removed. I began process of filing for XXXX XXXX Bankruptcy in early XXXX. I called Capital One twice and explained the situation. I was told whoever I spoke with back in XXXX mis-spoke. Again my fault for not having requested this documentation. 

I explained to Capital One I could email our Consent Order from our divorce spelling out I was solely responsible for this account. I pointed out that her credit was being affected it should not be. This fell on deaf ears as Capital One did not even want to see this Consent Order. I had been a loyal paying customer for over 15 years to Capital One. I am certain they made plenty of money off interest charges. Its just upsetting I was led to believe the ex-wifes name was removed only to find out I was lied to. How I wish we could play back our conversation as I know they record every call. 

I am hopeful someone from Capital One has compassion and a kind heart to recognize our situation and to correct this situation. I dont agree with my ex-wife on just about everything however, her credit should not take a hit given I was told Capital One would remove her name off the account. 

Sincerely,
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I contacted BestBuy on XX/XX/2017 to inform them that the account opened was not me. It was part of identity fraud. The amount owe is XXXX dollars Account was opened XX/XX/2017. The inform me it was going to be investigated and it was going to be removed from my credit report.
Consumer complaint received 2019-08-13
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. (WA)

Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX  - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2018-05-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Risecredit, LLC (OH)

An email and phone call were both placed to Rise Credit Customer Service to stop ACH withdrawals. I actually spoke with the customer service rep about the loan being settled ( paid in full ) since I've paid what I have borrowed but nonetheless the ACH withdrawals were supposed to be stopped and I got confirmation via Phone and E-mail that they were but yet I got a notif that my checking acct was overdrawn due to a ACH withdrawal from Rise credit.
Consumer complaint received 2019-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Hello! 
I had 7 loans from Navient part of my student loan program. I graduated and was on the income re-driven payment plan, and then my plan expired, Navient called me, and I told them I would like to continue to stay on the plan, and they said that is fine. A few months later I look at my credit report and I see 21 Items as 90 Days late. 7 Late to XXXX, 7 Late to XXXX, 7 Late to XXXX. I contacted Navient, and they said I did not fill out a new form to qualify for the income re-driven payment plan. That's funny because the agent I spoke to never even mentioned anything about me having to fill something out. All she asked is if I wanted to remain on the loan. I never received an email about this either. They claimed they sent it to my old .edu email, but I told them previously to change my email, and they never did. I haven't had access to my .edu email which was connected to my account. I sent Navient two letters, made many phone calls and they still blamed me entirely that I am responsible for my student loans. They apologized for the agent not notifying me, but that doesn't help, if the agent told me that day I needed to submit a new form, I would have, instead of having 7 student loans late per credit bureau. I worked with a credit repair company and they didn't help at all, so I just lost a bunch of money for an entire year trying to fix this. I then stumbled upon several articles on nerdwallet and forbes that discuss navient being sued for several reasons and one of the reasons they are being sued are for the same thing i experienced. They do not tell their borrowers that they need to resubmit a form for the income re-driven payment plan. They are a terrible company and feed off postgraduates making mistakes. Navient has since destroyed my credit history. I will have 21 late payments just from them for the next 7 years impacting me. It will be hard to open any credit accounts or any loans if need be for the next 7 years, and they don't seem to care, nor do they acknowledge that they are partly responsible for this. 

Do not trust Navient as your student loan borrower. They will do anything to ruin your credit history, they will do anything to try and steal money from you, and they will most definitely not help you with changing anything on your loan. 
XXXX XXXX XXXX XXXX XXXX   XXXX # XXXX
Consumer complaint received 2019-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) XXXX on XX/XX/XXXX and XX/XX/XXXX 2 ) bank of America on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

I am writing to inform you of the unfortunate set of circumstances that lead to my home loan ending up in a foreclosure.. I was laid off in XXXX. I called XXXX  XXXX XXXX immediately after I was given the news that I was laid off.. I was concern for I was never late and I wonder if there was a program or any type of help that could help out until I found a job and make the new income adjustment work. I will never forget how this day has changed my life. 
I spoke to a customer service to a gentleman by the name of XXXX XXXX was very accommodating. He went on to tell me that there was nothing to worry about because the government had just signed " bailout money " for borrowers like me. He mentioned that in order to qualify for 2 % modification all I had to do was to miss three payments. I went home and told my husband and he was very reluctant. I went on and miss the payments. I did not hear anything from the bank for months. Shortly after I received a forbearance letter asking for all the money that I had missed. 
After paying the three payment on trial period the modification disappeared. The two subsequent payments were never found. I applied for a modification again four times. All documentation was sent in. I was denied four times with out an explanation. My marriage ended because all the stress. 
Since XXXX  XXXX XXXX advised me to skip my mortgage payments, they quickly transferred the loan to XXXX and then to Shell point. I feel I was defrauded by my bank. I am also victim of predatory lending. I must comment that XXXX  XXXX XXXX rewarded employees for denying applications and referring customers to foreclosure, according to the statement. A collector by the name of XXXX said who placed ten or more accounts into foreclosure in a given month received {$500.00} bonus. Other rewards included Gift cards retail stores or restaurants, said XXXX and XXXX XXXX. 
Who worked as a collector from XXXX to XXXX. 
original publication XXXX XXXX XXXX XXXX This loan was based on stated income and had apparently an inflated appraisal. 
I I am requesting the wet ink note be provided. Signature appears to be forged. 
I have done a forensic review. 
I also want an explanation about my note and mortgage which is owned by XXXX XXXX. 
Please explain to me how XXXX XXXX can maintain that they own the note if Shell point also is claiming ownership .I need this matter resolved.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 a 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 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 information is inaccurate.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (IL)

Today, I am writing this complaint to CREDIT MANAGEMENT LP regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Aspen Yo LLC (CA)

I was told it was to late and if my documents were received they would not be downloaded until XXXX XXXX XXXX XXXX It was XXXX XXXX and it would be too late. I called GREGORY FUNDING on XX/XX/XXXX and was told the documents never arrived on Fri. I requested information concerning an appeal and was advised that no appeal process excist if an application is not complete. I had provided all the documents requested and received notification concerning my medical records I provided. I was informed my documentation I submitted was destroyed in it entirety. I had no idea that my loan modification was no longer being reviewed. I have hired a law firm to assist me and was informed that the wait time on the phone was approximately 5 to 6 hours. This is exactly what I was subjected to when I began the process. I began submitted the documents again to GREGORY FUNDING. My loan server changed hands three times, after XXXX filed for bankruptcy. HUD has agreed to assist me and states I should contact GREGORY FUNDING and ask for an extension of two weeks. This is the XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-08-13
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. (CA)

On XX/XX/XXXX I mailed a dispute letter to Experian challenging 4 items on my credit report, requesting proof. 

( for check of and PROOF of lawful COMPLIANCE to every and all reporting regula-tions, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and ir-refutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. ) According to the tracking information ( Tracking Number:XXXX ) Experian received my dispute results on XX/XX/XXXX. On XX/XX/XXXX I received a response from Experian declining to my request for validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is now XX/XX/XXXX and they have yet to abide by my request in which they are legally entitled to according to the FCRA.
Consumer complaint received 2019-08-13
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: EQUIFAX, INC. (MS)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-08-13
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. (TX)

XXXX XXXX XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$1900.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-08-13
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. (NY)

A fradulent credit account was opened in my name in XX/XX/XXXX by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The current amount listed on my Experian Credit report is {$1500.00} as of XX/XX/XXXX. A hard inquiry was also made and placed on my credit report on XX/XX/XXXX. I first contacted XXXX in XXXX when I received a XXXX credit alert about a new account. XXXX asked that I provide my social security number and I informed XXXX that this was not my account. XXXX said they would look into the situation and get back to me and they did not. I contacted XXXX again and they said I would have to dispute the account with the credit bureau reporting the account which is Experian. In XXXX I wrote and sent a certified letter to Experian stating that this was a fraudulent account and both the XXXX inquiry on XX/XX/XXXX and the account be verified or removed immediately. After 30 plus days, Experian sent me a letter and a credit report stating that the account had been verified which is incorrect and false. Experian refused to remove the account. My credit score has dropped from about XXXX to XXXX and this is preventing me from getting lower interest loans and credit cards. This is cost me about {$300.00} per month in interest.
Consumer complaint received 2023-11-08
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: SYNCHRONY FINANCIAL (GA)

I was asked to fax my proof of all payments to my account with synchrony bank acc end XXXX .so I asked faxed all bank statements for online payments and paper receipts from in store payments for the dates of XX/XX/XXXX through XX/XX/XXXX I faxed it to XXXX the fax number that I was provided with.an investigation was done the account was accurate after the investigation and then I started. Getting statements saying I have another balance the account has been closed since XX/XX/XXXX so should not have been no purchases and the account should be {$0.00}
Consumer complaint received 2023-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (MS)

Date XXXX XXXX Interest rate 20.23 % Fiance charges {$18000.00} Amount financed {$25000.00} Total of payments {$43000.00} Down payment {$1000.00} ( illegal when theres a loan transaction ) company participate in Truth in Lending. State law code 15 USC 1662b Total price charged {$44000.00} Total payments 72 months @ {$600.00} Document/service fee {$420.00} Automotive XXXX XXXX hazard fee {$890.00} ( when I told the dealer I did not want this fee I was told it was mandatory ). 

XXXX Sec plus maintance fee ( don't know what this is ) {$590.00} Other charges and amounts paid to others on my behalf ( oh my god ) {$1900.00} XXXX financed {$25000.00} Financed charges {$18000.00} Total charges {$43000.00} I expressed my concerns about most of the bogus fees to the dealer, was told it was mandatory. 

I want this dealership to know that this type of business isn't good for their business to operate this way. I would like any and all funds refunded to me that was/is part of this illegal practice. I look forward to your response CFPB. 

I purchased this vehicle from XXXX XXXX in XXXX Mississippi.
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (NC)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.
Consumer complaint received 2019-04-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have sent multiple letters to each credit bureau with supporting documents that other CRA 's have deleted creditors off my report that were not able to be verified. Please see attached letters to show proof that I made attempts to resolve the matter. XXXX XXXX creditor does not have proof of signature or any documents of my account because I have called multiple times and they can not locate me on the system. XXXX XXXX keeps sending the letter attached repeatedly, after I have asked for verification or what documentation they have on me.