davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had been renting a vehicle from XXXX since XX/XX/XXXX. My last agreement was in XX/XX/XXXX to my recollection. Consistently during this period, I have found that the credit cards I used have acquired balances that I see as fraudulent. With each rental I made sure funds were available. The fact that the rental was approved was testament that funds were available. I was told by the credit card companies that when an authorization was approved that money was set aside for payment and could not be touched. I also received documentation from XXXX stating that the company retrieves the funds at the time of authorization and those funds can not be touched. However, after the end of the term of the rentals, deductions of the accrued amount have been withdrawn and this amount ( devoid of saved deductions ) are withdrawn from my account in entirety. In this discrepancy, Capital One ( XXXX ) is this offending Company. When I inquired to Capital One they suggested that XXXX was withholding the funds and their determination was appropriate until XXXX releases the funds. Inquiries to XXXX are described by the Company as the pattern of the Credit Card Company to not recognize deductions until a certain pay cycle. Thus, I have waited patiently for the responsible Company to comply with Just process. Based on my understanding, XXXX received funds on the date of authorization and Capital One should not be billing my account twice. It appears to me that the Credit Card Company ( or XXXX ) have billed me fraudulently since XX/XX/XXXX.
Consumer complaint received 2022-08-24
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNTS resulting from alleged identity theft. 

XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2018-07-05
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: Real Time Group, Inc. (TX)

The second mortgage on my foreclosed home was transferred from XXXX to Realtime Resolutions in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, Realtime Resolutions is showing a new 90 days late payment in XX/XX/XXXX on my XXXX credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with Realtime and XXXX  and have received no resolution.
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-01-04
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. (NV)

I filed a complaint with CFPB against equifax and this complaint XXXX was closed and equifax never acknowledged the complaint there is no way that equifax and investigation regarding these inquiries. All they did was send me a pre-made letter the next day after they got the dispute stating, " THE INQUIRIES ARE FACTUAL '', this is a lie! I need my dispute to be rectified immediately and the unauthorized inquires to be removed. They is no documentation with my signature stating I authorized the fraudulent inquires. Please revert back to this dispute number XXXX from CFPB that was filed.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (NY)

I have sapphire checking account with chase, previously private client for so many years, my money is in the self-direct investment account with chase, for a initial asset of XXXX dollars, more than XXXX which is the requirement of Chase to waive the monthly fee for XXXX checking account. 

Due to the pandemic market downturn, I experienced big loss on the investment which the balance had dropped below XXXX, without any notification, Chase start charging the checking account monthly fees for XX/XX/2022, and I started realizing that on XXXX. They were only able to refund a one month fee. 

I can not accept that due to the market downturn, the bank charge more on the customer, investment loss is not consumer 's fault, and we did not getting any notifications regarding the fee going to be charged. 

After I noticed this issue I immediately downgrade my account to premium checking. But as a client with Chase for that many years, I believe Chase should not charge the fees for that many times to load more pressure on consumer during pandemic market downturn.
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (SC)

Faye services lost payment causing my home to be in default Sent a book of all payments and bank statements They agree but will not correct.now the payment is extremely high barely living. Because we have to have a home I can send all papers but not on this forum it's too many sheets. Have spoken to 20 people at the least. Nothing is being done, and I have called every day since XXXX of 2021. I can be reached at XXXX
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (LA)

had a auto loan with finance company in XXXX  the finanace company did a charge off that was 9 years ago try to contact experian but could not get any help on this did a dispute and still no help after 9 years this should be off of my credit report
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

Equifax is willing reporting fraudulent information on my credit report. They have responded that they are working on the issue but that is not true. They have put me through the same dispute process I have already completed. They only ask the creditor to verify the accounts which are fraudulent to which the creditors have removed them from my XXXX  and Equifax report because they were fraudulent. I presented this information to the FTC and not Equifax is marked as being non-cooperative and has been flagged for further investigation.
Consumer complaint received 2022-01-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in reference to my disputes. Section 611 ( a ), it is plainly stated that a failure to dispute these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 45 days and everything mentioned should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation for the stress you have caused me.
Consumer complaint received 2022-08-23
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. (MS)

I reviewed my report and I do not recognize these inquiries as mine nor the information being reported as mine. I am aware that they have violated several of my rights! My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Please see attached documents as well my identification as it contains my full complaint and my request.
Consumer complaint received 2022-01-04
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. (MO)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 270 days and 6 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX is violating the law. I am a victim of identity theft and my card was used without my permission. I immediately reached out to the company to start a claim for the fraudulent activity. A few days later I Called to follow up and was informed that my claim was closed. When I asked why the claim was closed, they were unable to give me any viable reasons. 

I explained that I have a right to know what investigation method was used as grounds to close this claim. They had no factual basis to support denying the claim. 

I believe that this company denied the claim to evade from their responsibility to provide me a provisional credit within the allotted 10 days which is my right under the law. 

XXXX is not abiding by the laws that the government has in place to protect consumers from losing their money to fraudulent transactions. They were insistent on me reopening my claims even they were unable to furnish information used to deny the claim. The sole reason for why they wanted to re-open the claim was because they wanted another 45 days to investigate. This is unethical behavior that should not be taking place at a financial institution in the United States. 

We are now on the the third request to reopen the claim without any information on why it was closed. XXXX is keeping money that rightfully owed to me and what I need to survive during these times. 

What should have been a 45 day process in total with a provisional credit in 10 days is now going into 4 plus months with zero explanation. 

When I implied that I was going to make a complaint my request was dismissed completely.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/2021 I ordered an official check # XXXX which was to be delivered to a landlord for rent. In late XXXX, I became aware that the rent had not been received and I contacted USAA to troubleshoot. 
USAA told me that XXXX was the vendor that they contracted to deliver the check. I contacted XXXX and in early XXXX was told that XXXX had officially lost the package based on the tracking information. 
I then called USAA and asked them to refund my funds because the check had been lost. I was told that a Declaration of Loss and Indemnification form had to be signed and that it would be 90 days for the date of the check issue before my funds would be refunded. USAA prefilled the form, I signed it and uploaded it to the documents section on their website. Within a couple of weeks I received a letter stating that USAA had rejected the form. Since that time I have called USAA several times and re-signed and uploaded the document several times but USAA has not refunded the {$1700.00} that should have been deposited in my checking account on XXXX. I spoke to a USAA XXXX on XXXX and I was assured that the issue would be resolved or that I would be contacted on XXXX, but that never occurred. I told USAA that I had sent replacement funds to the landlord in XXXX and that if the check was cashed it would be a fraudulent activity. To date, USAA has not informed me that the check was cashed. Instead they falsely claim that the documents I sent have no signature.
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC (CO)

XX/XX/2018 Reference : Formal Complaint against Calvary Portfolio Services, LLC. 

On XX/XX/XXXX I received my Credit Report from XXXX, and in this report appears that the Calvary Portfolio Services, LLC. reported three debt collection accounts against me. 
These the following debt collection accounts that Calvary Portfolio reported against me, at XXXX of my XXXX Credit Report : 1- First Debt Collection Account : {$1200.00} 2. Second Debt Collection Account : {$1600.00} 3. Third Debt Collection Account : {$980.00} On XX/XX/2018 I sent a certified mail with service return to : CALVARY PORTFOLIO SERVICES , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NY XXXX, to dispute these debt collection accounts, but this company never sent me the copies of the information that I requested : The last statement of my last payment to the original creditors for all debt collections accounts. This important to determinate the Statue Limitations for these debt collections, also because I initiated these accounts some years ago in XXXX, Florida, and the Statue of Limitations in Florida is 5 years. 
Also, because a Law Firm XXXX XXXX XXXX sent me a letter to force me to pay a debt collection account of XXXX, XXXX, {$1200.00}. 
But, I called XXXX, XXXX, and they informed me that I don't have any pending account in their system, and I gave them twice my social security, but for this document they can't find any pending debt for my name and last name. The problem is that credit account is not mine. 
I request an investigation against this company, because they informed inaccurate information for the XXXX  company, and this information affects my credit activities and employment activities. I consider this action as defamation.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-04
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)

The bureaus have not properly verified their sources and are reporting inaccurate information that is damaging my credit scores. 


I already reached out to the courts and the courts have indeed verified that they do not verify or share information with the credit bureaus. 

Experian responded to the previous dispute on XX/XX/2021 stating that the company reporting the information has verified the information as correct, however they do not say who the company is that is reporting the information. If the credit bureaus are not in fact checking with the alleged original source of information and the the original source says they DO NOT provide any information to the credit bureau then the credit bureau is in fact in violation on the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance and is violating my right for complete and accurate reporting.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

On XX/XX/XXXX my home was sold and the loan paid off. 

I have repeatedly contacted XXXX XXXX, XXXX. and requested they refund my escrow balance. In addition to XXXX calls made to them, I have emailed them the request on their website to no avail. 

I have always had issue with them in managing of my escrow since the date my loan was transferred to them in XXXX. It even included a situation of my homeowners insurance being cancelled for non-payment although they clearly had the funds in escrow. 

I am in process of purchasing another home and need my funds refunded now. It has been XXXX  days and not a word from them.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Please remove and delete all inaccurate late payments off my credit file from Experian, XXXX, and XXXX immediately. 

XXXX XXXX XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MA)

Subject : XXXX XXXX and XXXX XXXX XXXX, XXXX Violation of FDCPA and FCRA XXXX sold a debt to XXXX XXXX XXXX, XXXX. XXXX XXXX changed the account number and used XXXX 's name to report the debt to the XXXX credit bureaus. I paid off the balance in XXXX, and the balance should be XXXX ( see attachment ). 

I made multiple phone complaints to XXXX XXXX, XXXX about their deceptive practices and harassment in debt collection. I also filed multiple complaints with the three credit bureaus against XXXX XXXX : XXXX XXXX XXXX, XXXX ( account number : XXXX ) engaged in identity theft, violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX, XXXX wrote a letter requesting XXXX XXXX to delete this account ( see attachment ). 

In XXXX and XXXX, my loan officer and I contacted four departments of XXXX XXXXXXXX. They couldn't locate the account XXXX using my phone number and social security number and directed us to file complaints with the credit bureaus to delete the account. The result was that XXXX changed my account number from XXXX to XXXX and altered the balance to {$2000.00}. They only closed the account without deleting it, which has continuously affected my credit score and credit utilization rate, reaching XXXX %. This has completely hindered my ability to refinance my home loan since XXXX. On XX/XX/XXXX, I called XXXX XXXX again to complain and was told to call a fraudulent number ( XXXX ), which turned out to be an advertisement number. 

I filed a complaint with CFPB and reported to FTC, requesting XXXX  XXXX to immediately delete the account from the three credit bureaus.
Consumer complaint received 2022-08-23
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. (MI)

Aidvantage received management for my loans from XXXX. They have been instructed by the Department of Education not to contact me and instruct me to resume payment after the national federal forbearance. They called me several times in XXXX requiring me to contact them regarding starting repayment. When I checked my loan status last week it shows that payments are supposed to resume on XX/XX/XXXX. Not only does the go against the Department of Educations instructions it does not meet federal guidelines including receiving a letter at least 21 days prior to resuming payments. Their website has an alert for me stating that my forbearance ends in XXXX days and shows in several places that repayment is required to begin on XX/XX/2022. I have screenshots of these communications in my account.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report XXXX  months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX {$150000.00} XXXX XXXX {$570.00} XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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