davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Despite multiple requests, the unverified item with Capital One, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Capital One via mail and have returned undelivered mail with inaccurate address on file, and via phone Capital One has told me I never had late payment with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (IL)

After months of inactivity, Barclay card sent me a letter on XX/XX/2019 closing my account and imploring me to contact them to inquire on rewards redemption. After being unable to resolve my issue a case was made to resolve my rewards issue and on XX/XX/XXXX a letter was sent out informing me they were unable to assist me. an inquiry call on XX/XX/XXXX informed me that my rewards had been forfeited, my accounts closed, and that i would still receive another card statement on XX/XX/XXXX despite the account closure. yet the XX/XX/XXXX account statement still shows the XXXX $ worth of travel rewards that had yet to be used and no notice of the account closure. 

Prior to the closure of this account, no warning or impending notice of an upcoming closure was sent.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

My bank, Metro Bank, was purchased by First National Bank. From the very first day we were unable to get into our account online and were not given any help from the branch. 
They have continuously charge fees and manipulated dates of both deposits and transaction. 
There treatment of the public is nothing short of disgraceful and underhanded practices.
Consumer complaint received 2018-10-21
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. (TX)

I received a notice from credit monitoring service back in XXXX of an alert on my Experian credit report. It showed a Charge Off for XXXX XXXX in XXXX. I never had a charge off on this account and no late payments. I paid the account in full in XXXX for {$98.00}. I have disputed it 3 three times with Experian and they still show the charge off. Everytime I call Experian I can not get anyone to listen, they just say they will dispute it. My account is reported correctly on the other two credit bureaus. Experian keeps blaming the creditor stating it's the way the creditor reported it. I called the creditor and they have checked on their end and never reported a charge off. The creditor sent me a letter in writing stating my account was paid in full in XXXX. This wrong reporting by Experian caused me to lose financing for my home. I can not afford to wait another 30 days for them to dispute again. Experian has not reached out to the creditor, the creditor has confirmed this. 

I have attached the receipt from when I paid off the loan and a letter from the creditor 's corporate office stating the loan was paid in full in XXXX.
Consumer complaint received 2018-10-20
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 write them a letter but I never get any response back. I believed that the address on file is not correct. I disputed with TransUnion, they refused to remove the inquiry. 
The inquire name is XXXX and it was reported to my TransUnion report on XX/XX/2018.
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

During the student loan pause my government student loan was sold to Aidvantage. The information on my account is inaccurate it the loans are for a school that I attended in the XXXX XXXX and only went there three months. XXXX XXXX XXXX was closed due to fraud. I attended two schools online XXXX XXXX and then XXXX XXXX I recently found out these schools were involved in deceptive business practices fraud. The balance that I owe is incorrect the loan was for XXXX XXXX I never received any student loan checks at all. The Pell grants you don't have to pay back this balance is outrageous they have that I owe {$41000.00} for two loans together. It is hard to get in touch with this company. I did a repayment plan before pause and it ends XX/XX/. I wanted to apply for the SAVE program to see if my payment could me lower or no payments.
Consumer complaint received 2018-10-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I was shocked when reviewing my credit report and found a late payment on XX/XX/2018. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express ( AMEX ) offered me a credit card Promotion and they accepted my application under the guise of that promotion. I then charged the required amount, within the specified period of time, and then immediately paid off the amount charged less the statement credit promised under the promotion of {$150.00}. AMEX never followed through with crediting the account the {$150.00} and after my following up with them several times the end result was they told me I was disqualified from the promotion and they ultimately turned the account over to collections. I have fully documented all the phone calls with AMEX and the collection company. I have attached a copy of the final letter that I sent AMEX which summarizes my dispute and my efforts to bring this situation to a close. The outstanding balance owed on this credit card began with the {$150.00} promotion credit that they refused to give me and now includes the exorbitant late charges and interest that they are applying to that {$150.00}. The American Express corporation may be a huge company but they should not be allowed to " strong arm '' the consumer!
Consumer complaint received 2018-10-19
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. (CA)

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy and then what? I see the late payment on XXXX XXXX XXXX? I told the credit bureaus to fix it but they never did!. I hope you understand the dilemma I'm going through, CFPB please step up and fix this account
Consumer complaint received 2024-08-30
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. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am in receipt of a Mortgage Statement dated XX/XX/XXXX which states that as of XX/XX/XXXX, I owe the amount of {$77000.00} on the loan. 
I am disputing this claimed amount for the following reasons : 1. The above stated amount does not take into consideration my ongoing dispute sinceXX/XX/XXXX with XXXX XXXX and then XXXX and now SPS regarding non credited payments which I made on my mortgage account and excessive escrow charges made on my accou8nt in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.  I have sent 196 pages of bank records to XXXX and now to SPS supporting my claim Still the only response I have had from SPS is to send me a payment history from XX/XX/XXXX onward which does not acknowledge my prior claim for the above mentioned years. These bank errors go back to XX/XX/XXXX when XXXX  XXXX made a loan modification on the loan. And now SPS is legally responsible for prior bank errors made on my loan and for mistakes made on prior modifications. And as I have pointed out before I have been disputing these bank errors since XX/XX/XXXX. I have made continual requests for someone from the SPS accounting department to reach out to me to solve this problem. So far no one has contacted me from the accounting. And since they have not addressed or credited my account the accrued interest due to me for excessive escrow charges made to my account or for accrued interest and capitalization charges made to my account, I am hereby disputing the claimed amount of {$77000.00} by SPS.

I view this as an unacceptable business practice and illegal because SPS bought the servicing rights to my loan from XXXX and therefore SPS is responsible for past bank errors on the account. 
The contention of SPS that since I signed a modification agreement in XX/XX/XXXX which brought my account current and therefore that I agreed to the modification terms does not excuse prior bank errors made on my account since XX/XX/XXXX because SPS by acquiring the servicing rights on my loan, acquired the prior liabilities of the prior loan servicer which was XXXX  XXXX and then XXXX. 
In addition to the above issues is the issue of excessive amounts capitalized into my mortgage balance since XX/XX/XXXX which amounts to {$170000.00} since XX/XX/XXXX. I have analyzed this account and have submitted extensive bank records to this effort and have determined that the amount of {$100000.00} is owed to my mortgage account for excessive interest, administrative charges, non-credited payments, excessive escrow and insurance charges plus applicable interest. And the fact that I signed a modification agreement on XX/XX/XXXX does not nullify the fact that errors were made on my mortgage account and does not render my claim as being invalid and the fact that credit is owed to my mortgage account for past bank errors made.
Consumer complaint received 2018-10-20
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (VA)

Despite multiple requests, the unverified item with Santander, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Santander via mail and have returned undelivered mail with inaccurate address on file, and via phone Santander has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I have been the victim of identity theft and it is proven in court and the police that the perpetrators of the acts in the identity-theft are not me. I attempted to apply for a loan through a company called OneMain Financial and they have since told me of a previous loan that their company has been bought out or part of XXXX. I do n't have anything to do with XXXX and because of the identity-theft an account might be showing under my identification but it is not me. Almost a XXXX percent certain that was not my correct first name and I asked to talk to the Department and the person refused to let me talk to them. I 'm complaining because they are breaking the XXXX laws on ID theft. 
Have them remove my correct name and social security number and any other identifying information from their records of that previous account that has been proven to be fraudulent.
Consumer complaint received 2018-10-22
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: HABITAT FOR HUMANITY INTERNATIONAL, INC. (TX)

I submit these ongoing issues from creditor and credit reporting bureau XXXX. I have requested several times for XXXX to verify and correct misinformation and balances on my credit file all which come back verified disputes. I ask that you request credit history from XX/XX/XXXX in regards to Habitat for Humanity. On XX/XX/XXXX creditor States current balance is XXXX. On XX/XX/XXXX reported to XXXX  in dispute balance XXXX. On Credit history for XXXX XXXX from XX/XX/XXXX. I have submitted several times billing documents for hospital proving Medicaid coverage, however disputes continues to verify information. On top of my information being taken in the breach, I am now going back and forth with disputes that are known discrepancies.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX : # XXXX, has violated 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 : Any other adverse items of information, other than convictions of crimes which antedates the report by 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.

These inaccuracies are damaging to my reputation. Making it impossible to obtain a home, vehicle, credit, and employment.
Consumer complaint received 2015-12-13
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

My wife has XXXX credit card accounts with capital one account # XXXX and # XXXX in XX/XX/2015 capital one posted XXXX payments to account ending inXXXX have contacted them about the error which subsequently generated late fees on account ending XXXX. which capital one said they were reversing but have seen no result of the impending reversal, and was not assured that any negative report to credit report would be corrected as a result of their internal error causing XXXX account to show late in their records. which also generates deragetory reporting on credit report. Want all subsequent late fees and negative reporting to credit bureaus.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MN)

Discover Miles Card transferred my " Miles Points '' ( last seen on XXXX XXXX statement ) into a credit ( showing on XX/XX/XXXX statement ) without informing me of this transfer. I had accrued XXXX miles-points ; I don't know date I opened the Miles card because the Rep. told me they had no record of my start date. They gave me a money-credit for the miles I had accrued, of {$570.00}. I would have received full market value for points if I'd been able to use my points ( like I had wanted to do ) for actual airline travel. I could have bought a very expensive airline ticket with the XXXX miles, certainly worth more than {$570.00}. That's why I had been saving up my miles-points. Now I have only {$570.00}. They didn't tell me they were doing this. I simply saw a credit on my statement, and my miles-points had disappeared. ( One representative named XXXX in XXXX told me I should get XXXX x 2, so XXXX based on Discover 's system of : every XXXX miles equalled {$100.00}. ) Spoke with another Rep. who explained the correct credit was {$570.00}. I spoke w/ another Rep. XXXX, who said they couldn't change problem, that Discover had changed how they deal with Miles in XXXX & due to inactivity (? ) they credited my account for a lesser value than real travel would buy. They didn't tell me that. The Rep ( XX/XX/XXXX ) said I couldn't get my miles back, which is what I want. I'd been saving for many years. They said they sent me a check. I didn't receive a check. Going through my statements again, I see the credit has been missing for about a year. I spoke w/ a Rep. today ( XX/XX/XXXX ) & asked where my credit was. It was there on the XX/XX/XXXX statement & missing thereafter. Today after my call, they reinstated my credit. ( *Please note, I did change my Miles Card to the Discover it card after all this happened, XX/XX/XXXX )
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : XXXX Account # XXXX Has violated 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 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 the following information items. 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.

please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northwestern Mediation Services (CA)

This debit is not mine. The message left stated they would take legal action and inform my employer and I better contact them within 24 hours.

They called my mothers home and told her to have me call them back. She was given a case number and phone number. The man told her I needed to verify the spelling to my name as its shows on my social security card.

I do not owe this debit and never gave them or anyone premission to call my mother.