davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (IL)

I wanted to buy a drone. I found a guy on XXXX XXXX and instead of buying the drone on there we agreed to go on XXXX. I sent him {$570.00} under the protection and then the money said it was not sent. It said money was not charged because his account was new but the money eventually was given to him and I never received money. XX/XX/XXXX is when the money was posted. XXXX didnt do anything about the issue. I recovered the money back from BMO and we agreed to go on XXXX. I made two payments. One for {$300.00} and the other for {$250.00}. He sent me fake XXXX information and never sent the drone. I lost {$550.00} from the XXXX deal. BMO gave me {$570.00} but today I look and they declined the dispute for that money.
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (TX)

I have made repeated efforts to rectify the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I must emphasize that I did not authorize or approve the inclusion of this information under my name, as I have been a victim of identity theft.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

During Covid I was incarcerated at XXXX XXXX XXXX. My student loan is on an income based repayment plan with the monthly payment amount set at {$0.00}. In XX/XX/XXXX, Navient increased my monthly payments automatically for failure to recertify my income based repayment plan. While this was occurring, I was on a Covid lockdown in XXXX due to a mass outbreak of Covid infections. I was unable to receive communications from Navient. The student aid.gov website advises that recertification deadlines have been extended. Navient is reporting me late on 6 different accounts for the months of XXXX, XXXX and XXXX XXXX. This has devastated my credit score by XXXX points. In XX/XX/XXXX, the lockdown ended and I was able to recertify my income based repayment plan. My monthly amount due is set at the same {$0.00} payment, However Navient is reporting me 120 days late on {$0.00}. I have contacted the company many times and disputed this with the reporting agency. Navient insists it is accurate and is unwilling to correct the mistake.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I sent letters and spoke over the phone with all three major credit bureaus, XXXX, Experian, and XXXX XXXX to reinvestigate these accounts : 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 However, all three credit reporting agencies responses were all the same, the company verified the disputed accounts and the results are complete and accurate and will remain on my credit report. 

How can this be possible if the accounts are closed if the open dates are over 7 years old and the open dates are all inconsistently across all three credit reporting bureaus, the last day of activity is incorrect and so much more is incorrect? According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 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 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. 

Also, they arent even in compliance with Metro 2 credit reporting. I have gathered evidence to prove my case.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2021-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Delete these erroneous items from my credit report as soon as possible. 

*Please remover all non- account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 
Please remove all accounts that are not XXXX XXXX  Compliance Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act 4 ) Financial Injury Thank you for your time, P.s. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforce Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXXtate Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am writing to formally dispute the validity of two collections accounts listed on my credit report, which were reported by XXXX  XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my XXXX, experian, and XXXX reports.
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was falsely mislead by CAPITAL ONE BANK d/b/a CAPITAL ONE. On XX/XX/2021, I filled out an application for a Platinum Secured Card from CAPITAL ONE. Once I filled out this application, it was approved and the application then became an instrument of value and was sold. Due to this fact, I should be able to have a zeroed out balance at the end of every billing cycle and should have an open-end credit plan pursuant to 15 USC 1602 . I was informed by CAPITAL ONE that I would need to make a security deposit in order to receive the card ( as advertised on their website ), so I made a deposit in the amount of {$200.00} on XX/XX/2021. I apologize about being ignorant of the law, but that is no longer the case. It is unlawful for CAPITAL ONE to have taken the {$200.00} in order to give me a credit card ; taking cash within a consumer credit transaction is illegal ( 15 USC 1605 ). Once I put in my application and it was approved, I extended my credit to CAPITAL ONE and should have received an open-end credit plan without having to make a security deposit.
Consumer complaint received 2021-12-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Service Finance Holdings, LLC (CO)

This is a reply to XXXX. 

I am simply asking for a copy of the contract for the goods and services that SFC has alleged were provided. SFC is using my credit to extort money from me for goods and services that SFC admits to not even having a contract for. I believe that someone has either falsified information for SFC to have paid the contractor for goods and services that were never completed or approved by me or SFC made a gross mistake by funding the loan for goods and services that were never provided as agreed upon.

I have contacted my local contractors board and they want to see the contract that was supplied to SFC.

All I am asking is for a detailed bill of what SFC alleges that I owe them for. The contractor should have provided a project scope and a signed off letter of completion from the home owner.
Consumer complaint received 2021-12-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION (NV)

Navy Federal Credit Union unexpectedly closed my entire access to my accounts, due to one account ( checking ) being delinquent. I have no access to all my accounts that have been current, including my mortgage. I was told to call a " security specialist ''. I called the specialist and was told I was banned from Navy Federal and that I will have no online access to any of my current accounts. They are utilizing strong arm tactics and unusual tactics to make it hard to make payment on all my current accounts to include my mortgage ( a VA loan ), which I have never been late on. 

Navy Federal is failing to follow the 2016 order listed below : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-union-pay-285-million-improper-debt-collection-actions/ Specifically from that order and is my situation : " Illegally froze members access to their accounts : The credit union froze electronic account access and disabled electronic services for about 700,000 accounts after consumers became delinquent on a Navy Federal Credit Union credit product XXXX This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts. '' Navy Federal needs to allow access for me to access my information to all my accounts online. They are not following the 2016 CFPB order.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-24
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. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX  I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Alaska Cascade Financial Services, Inc. (WA)

I am writing in regard to a case pertaining to Alaska Cascade Financial Services Inc. I was improperly served a summons and now having my bank accounts garnished for debt that I have no knowledge of owing and do not owe. The summons was dated XX/XX/XXXX and I didn't receive the paperwork until returning to find it under my door around XX/XX/XXXX. When following up on this matter contacting Alaska Cascade to get further information I was informed that the contact listed ( XXXX XXXX ) on the summons was no longer working on the case and to reach out to XXXX XXXX who was I was told no longer worked for the company and then was provided follow up contact information which I left a voicemail and never got a response. 

As time past and I reached out to the XXXX  XXXX XXXX for legal advice, I was told to contact that XXXX to dismiss the case on the grounds of the summons process being compromised and no being served in the 90 day window to do so. As well as the plaintiff not complying with any of the court case schedule. I gave XXXX another call and again never received a response, so I went forward to preparing my documents and witnesses for the trial to find out that there was now an application for a writ of garnishment that was sent out that I didn't receive until after finding out that there was a judgement already in place and my funds held by my bank although the trial date for the case was set for XX/XX/XXXX. Being effected by XXXX this has been a further hardship financially and a burden mentally. I called XXXX again and finally got the chance to request a detailed summary of what I was owing and why, he said that he'd send me that information and never did! 

After going through the proper channels to respond to all the documents to seek exemption from the claims and to recoup my monies that are being improperly held I obtained a new trial date in regards to the Writ of Garnishment XX/XX/XXXX that the plaintiff no showed. Weeks later I received new trial date for " proposed judgment on answer and order to pay '' for XX/XX/XXXX. 


I received the summons and complaint but service was not correct as required by law. 
I do not owe this debt. 
I disagree with the amount stated. 
There was a violation of good faith and fair dealing. 
I did not opt into or receive the product or services that the plaintiff is saying that I did.
Consumer complaint received 2021-12-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Shellpoint put forced placed insurance on my account despite my lnsurance has never lapsed They illegally charged me semi monthly insurance premiums XX/XX/21 they charged me {$2300.00} XX/XX/21 they charged me {$130.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} XX/XX/21 they charged me {$120.00} For a total of {$3200.00} in forced placed insurance On XX/XX/21 I received a credit of {$840.00} On XX/XX/21 I received a credit of {$710.00} On XX/XX/21 I received a credit of {$1600.00} For a total credit of {$3200.00} Also on XX/XX/21 the same day I received my final credit Shellpoint illegally changed my fixed rate FHA XXXX XXXX XXXX XXXX from a fixed rate to a rears rate then changed my payment from my Reg monthly payment of {$300.00} per month to {$440.00} per month Is this legal??? they give me a credit for their illegally forced placed insurance then increase my monthly payment on the same day That's an increase of {$140.00} per month. 
for the 17 months I have left on my loan They gave me a credit on my account even though I requested a check They illegally changed my payment amount to compensate themselves for the credit they had to give me Can they legally do that
Consumer complaint received 2021-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

In regards to my XXXX closed accounts, Capital One did not conspicuously or clearly disclose that they would report my non public information. They also did not provide a form for me to opt out of selling my private consumer information to third parties. These actions violate 15 U.S.C. 1681b, 15 U.S.C. 6801, & 15 U.S.C. 6802.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/24 Cash App text me alarming me someone had hacked my account and I replied fraud.The following morning on the XXXX my brother who sends me the same amount every month paid his rent and within seconds before I transferred the funds to my bank account the hacker withdrew my funds.They also attempted to hack my my credit card and debit card attached to my account.However my back immediately realized it was fraud and blocked my cards and refunded my money! CASH APP has taken no responsibility and have been of no assistance resolving this matter.I will be more than happy to provide any additional information upon request.