davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
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)

Hi, I made online bookings with XXXX to stay at XXXX XXXX XXXX XXXX, Alaska for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my family and my sister 's family. When I arrived at the Motel on XX/XX/XXXX night XXXX and saw the room conditions were horrible and it is not safe for myself and my family to stay at this place. Therefore I asked the Motel personnel to cancel the reservation for all of the above days I booked, the Motel Employee refused to cancel the reservations and said there is no Manager available. 

Then I contacted XXXX and spoke to them more than 1 hour to cancel these reservations and to make alternate arrangements. However XXXX neither made alternate arrangements for me nor they cancelled the reservations. Myself and our family were Stranded at that time, and we spend the night at our cars in a Parking Lot with no access to Restrooms or Drinking water. 

After I comeback from my vacation, On XX/XX/XXXX I filed disputes with all of the reservations with Capital One and sent all the information pertaining to the disputes to them. On XX/XX/XXXX, Capital One reversed the charges and on XX/XX/XXXX they took the side of the XXXX 's rebuttal and put the charges back again into my account saying that I need to show cancellation proof from XXXX or XXXX XXXX XXXX. 

On XX/XX/XXXX, I filed my response to the rebuttal form along with the images of the horrible condition of the Motel. 

On XXXX XXXX, XXXX, I again sent a response to Capital One explaining about the circumstances that either XXXX or XXXX XXXX XXXX is not providing the cancellation proof and taking advantage of false advertising. 

How do I submit the cancellation proof if XXXX or XXXX XXXX XXXX doesn't provide me one? 

Under the Fair Credit Billing Act- Federal Statute- 1975, if the services rendered and quality are not met to the customer satisfaction then the customer has the right to dispute the charges, however Capital one is denying me the lawful right to dispute. 

Please take up the matter with Capital One and get this dispute resolved and all the charges reimbursed to my account. 

Thank you
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
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: Radius Global Solutions LLC (CA)

On XX/XX/2021 I canceled my services with XXXX XXXX because of move. All equipment was returned and no bill or existing balance was due. I was never billed for any existing balance and found out through XXXX that my XXXX XXXX  balance is in collectIons. 
Upon seeing this on my credit report I immediately contacted global radious solutions and paid the balance in full. I was never given a bill or a chance to bring my account to paid. I should have been given at least 30 days to pay my balance. No more than 90 days had passed since I terminated my services with XXXX. I had excellent credit up until this derogatory remark became a part of my credit report. I should not be punished with this negative impact on my credit score. Please let me know what I need to do to have this removed.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a collection account that is reporting on my credit report from XXXX XXXX I have paid this collection and in turn received a letter from XXXX confirming that they will indeed request the credit bureaus to delete this account. This occurred on XX/XX/XXXX, however, as of XX/XX/2021, the derogatory account still remains on my credit report despite written confirmation from XXXX that it would indeed be deleted and that a request has been sent for deletion as well. I have attached the letter from XXXX below.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I received a notification that XXXX was a new account on my consumer credit reports. 
This account was previously deleted back in XXXX and I did not receive a notice from Equifax nor the original creditor that it will be re-inserted. 

Furthermore, this account does not belong to me. 

This reporting is in violation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B )
Consumer complaint received 2023-02-25
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: Io, Inc. (VA)

Receivable Management System is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$150.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Receivable Management System failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Receivable Management System and Im demanding them to remove the collection account from my consumer report.
Consumer complaint received 2023-02-25
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. (TN)

I didn't authorize or give any permission to these company pulling my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc (CA)

I usually use this company to aplay for small anount of money, XXXX and I always pay them back XXXX every other week XXXX or so. 
I request that money on Friday XX/XX/2023 and they sen me a lot of questions and emails requesting personal information that I don't want to send because I was afraid of stealing my personal information and they already have on file everything they need. After a few emails ( they never call me ) I decided to request to cancel my account and they don't want to and I try to erase my bank account and not let me doing it. What can I do?
Consumer complaint received 2021-12-07
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: AMERICAN EXPRESS COMPANY (NY)

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( AMEX XXXX )
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (MA)

A filed a dispute with Kabbage regarding a purchase I made with my checking account debit card. The order I made was missing items and the item I did receive was not as described. I told them the website I ordered them from was no longer up and I couldnt contact them. Kabbage refused to investigate my dispute. This is the first bank to every deny a request to investigate a charge made on their card. Ive enclosed the reply I received from the bank
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have had a credit card with Bank of America since XXXX that I use quite often. Due to some financial difficulties, I was usually up towards the top of my credit limit, but would make at least my minimum payment on time. I was able to pay off my {$3900.00} balance in full this week, and when I went in to check my card it would not come up and I was told there was no account for my login and password. I went on to contact the number on my card and was bounced around to various people which seemed to be in the same area with no answers. I asked them who closed my account and why. I was told no one has that information and they couldnt tell me anything but I would get a letter at some point. For this to happen with no notice or backup information is ridiculous. I have essentially been punished for paying off my balance. If I continued to pay small amounts, I would have been able to use the card for {$100.00} each time or whatever. The fact that they would not provide me with any information or allow me to speak with a supervisor at any point when asked, is horrible.
Consumer complaint received 2021-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage damage.
Consumer complaint received 2021-12-07
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. (OH)

I am myself the consumer and im a victim of identity theft. I have tried numerous times to have this inaccurate information removed. Attached if a federal trade commission report showing which items are fraudulent and pursuant to 15 usc 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block and delete the reporting of any information in the file of a consumer that the consumer identifies as information resulting in identity theft, not later than 4 business days after the date of reciept of this such notice.
Consumer complaint received 2021-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

On XX/XX/2021 We were approved for Corona Virus Assistance. On XX/XX/XXXX we ended the forbearance and was approved for the FHA Partial Claim. XXXX XXXX sent paperwork and this paperwork was signed and returned on XX/XX/2021. Amerihome Mortgage assumed the mortgage and the two companies have yet to reconcile the end of our borrower assistance. I have turned in all documents many times and also followed all protocols with no resolution and now I am receiving threatening mail about foreclosure.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance Owed : {$540.00}
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
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. (VA)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (AZ)

My cared was lost several weeks ago. I attempted to report this to Barclaycard, they do not have phone agents right now. All I could do was lock the card. I have tried numerous times to contact them to notify them of the lost card, and have only been able to send messages that have not been acted on. Now, I have fraudulent charges that need to be dealt with. There is no way to dispute this on their website-they want me to call a number, which just dumps back into their queue with no way to leave a message. For something as serious as a lost or stolen card and fraudulent charges, they need to take care of these things right away. 

Barclaycard should be required to have a fraud group available 24-7 to handle such issues. And, you need to get back to your customers.
Consumer complaint received 2023-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

I have called several months ago to request PMI be removed and was advised it would not be until 11 years. 

I looked today and noticed that your site indicates : " Automatic PMI termination Even if you dont ask your servicer to cancel PMI , your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. '' My principal has reached this threshold but I am still being charged PMI. I tried to contact my mtg company again and got this message : That my loan would not be eligible until 2025 ( the 11 years again )
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TN)

I, XXXX XXXX, is the consumer in fact and I am asserting all rights. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( 2 ). 

I, the consumer, am contacting the CFPB about an alleged debt from Enhanced Recovery Company. On XX/XX/XXXX, I received copies of my consumer reports from the three major reporting agencies to find that Enhanced Recovery Company reported the alleged debt to the consumer agencies without providing proper notice pursuant to 15 U.S. Code 6802 ( a ). The debt collector also violated 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) ( C ) of the Gramm Leach Bliley Act by not giving I, the consumer, the option to opt out of disclosures to third parties. 

I sent a validation letter to the ERC and I asked for the company to provide documentary evidence and a contract to provide that I owe the alleged debt. The debt collector failed to supply the evidence. On XX/XX/2021, I produced a cease and desist pursuant to 15 U.S. Code 1692c ( c ). I am currently awaiting a response.
Consumer complaint received 2021-12-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

CMRE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX original creditor : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$3500.00} I have contacted this collection company three times in writing to validate the Debt and requested HIPPA authorization, my signature in ink and they provided me with a list of some medical supply and procedures performed without my signature and claiming {$4500.00} where the document states XXXX balance. 
This Collection company violated Fair Debt Collection Practices ACT 16 usc 1692g : They failed to provide me with a signed signature in ink Failed to provide it is a violation 15 usc 1681 a ( b ) list of description based on payments violation 15 usc 1681a ( e ) reminder any factual information being reported is a violation 15 usc 1692e ( 2 ) ( A ) false or misleading representation They Violated The Public LAW 104191 SEC. 1177 Wrongful disclosure of individually identifiable health information. 
and they Violated my HIPPA Rights : I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties.
Consumer complaint received 2021-11-08
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. (PA)

On XXXX XXXX A dispute was completed with Orginal Creditor XXXX which resulted in the account being deleted because it was opened fraudulently. 

Here, I am again today with the same account on my credit report. Which violation # 2 of not completing a proper Investigation prior to furnishing information on my credit report. 

Not only did they commit the same violation it dropped my score it made it difficult for me to obtain financing. 

I spoke with XXXX on XX/XX/2021 and asked when a investigation took place and who was involved in Pursuant to 15 USC 1681a ( e ). XXXX was unable to to provide me any information of when and who the investigation took place with.

In pursuant to 15 USC 1681 A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph. 

XXXX told me under the FCRA they are required to report which in fact is not true and a misleading statement and another direct violation. 

Also, I did not receive the proper paperwork within the timeframes under the FCRA. 

My only option from XXXX was to dispute. How many times do I have to dispute until Transunion does there job? This affects people livelihood and shouldnt be allowed to happen repeatedly.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report are still showing inaccuracies ' also stated to them that i never opened any of these accounts not only but also i let them know i was incarcerated at the time these accounts were opened. 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. 
LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$250.00} LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$780.00}
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I authorized a single payment to the credit card institution on XX/XX/2021 and the credit card institution drafted my account twice without authorization. When I called the representative said that the company was aware of the error that affected multiple customers but offered no resolution at the time of the call.