davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

My loan was picked up by Carrington Mortgage effective XX/XX/XXXX. I received notification of the change on XX/XX/XXXX via email but the email did not have details on my new loan number or how to make a payment. Around the XXXX, I tried to log onto Carrington mortgage site to pay my mortgage but I was not able to. The system would not accept my old loan number. I called Carrington Mortgage and they told me that the system issue was a known one and to wait till after the XXXX and try again. I called again after the XX/XX/XXXX and the rep could not find my account. They told me I should have gotten a letter in the mail. I told they my husband was in the military and we had gotten transferred. I did not have the mail. They told me they did not have my info in the system. About a week later I got a call from a rep that I was late on my payment. She acted as if it was a problem on my side. I explained the issue and she gave me the account number. I was surprised that it was an issue because the email said they payment would not be considered deliguent due to the transfer. On XXXX, I just got my forwarded mail from my old address and now I have a delinquency notice. I think this is horrible service and misleading. The fact that I am considered delinquent is totally contrary to their communication that I had 60 days to get all transfer issues resolved.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in Experian but is still showing up in XXXX and XXXX. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.
Consumer complaint received 2023-02-17
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 (GA)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

Subject : Request for Resolution of Incorrect Personal Information on Credit Reports Correction of Personal Information : Update and correct all inaccurate personal information on my credit reports, including but not limited to [ specify the inaccuracies such as wrong name, address, or employment information ]. 
Confirmation of Corrections : Supply me with updated copies of my credit reports from all three major credit bureaus ( XXXX, Equifax, and XXXX ) reflecting the corrected information. 
Documentation of Changes : Provide a detailed report outlining the corrections made to my credit reports, including before and after versions of the affected sections. 
Expedited Handling : Address this issue as promptly as possible, as it is crucial for maintaining my financial health and accuracy in my credit history. 
I appreciate your attention to this matter and look forward to a prompt resolution. 
15 USC 1681i - Procedure in Case of Disputed Accuracy : The credit bureau must investigate the dispute within 30 days.

If the information is found to be inaccurate, the credit bureau must correct or delete it.

15 USC 1681g - Disclosure to Consumers : 15 USC 1681b - Permissible Purposes of Reports : 15 USC 1681c - Information Excluded from Consumer Reports : Outdated or incorrect information must be removed from your credit report.

15 USC 1681e - Responsibilities of Users of Consumer Reports :
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hello- I have had accounts with Capital One for a number of years. I opened my first account when the company was ing.com. I also had the XXXX account for longer than I can remember. I pay my card in full every month since the inception of the card. Last month due to an unfortunate delay in funds I paid the card a couple of days late, albeit in full as usual. The interest rate and charges were waived as a curtesy. This month I paid the card in full again but was charged another {$18.00} in interest. I called Capital One and asked why I was charge interest given that everything was paid in full this month and last month. I was advised that since I was late last month, they are charging me interest two months in a row whether I pay in full or not. I asked the card to be closed and the supervisor made it a long process. She provided me with the payoff figure which was {$150.00}. When I asked why the payoff figure was different than the amount shown online of {$150.00} I was told that there are additional interest charges. CapitalOne is pyramiding interest charges in violation of federal regulations. They are punitive and despite being a customer for years and making payments in full EVERY month for YEARS they punish the customer by continuing charging illegal fees due to a late payment in one month. I am requesting the interest {$18.00} XXXX additional interest to be refunded and all credit cards with CapitalOne closed. Thank you.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ). 

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance. 

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , IN XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$0.00} .
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. ()

XXXX XXXX XXXX XXXX XX/XX/2023. Social security pension check was given on XXXX the XXXX 2023. Social security XXXX stated that my father is due the check in XXXX because the check is a XXXX check this check is a month behind due to social security. The bank Chase Bank has instructed they claim for the amount due to the case of the XXXX  beneficiary the bank Chase Bank is claiming that my father account is overdrawn by {$800.00} yet his a check is for they will not release the funds nor will they send the check back to social security until payment is given of {$800.00}. I informed them that social security said they could take the money out of his check and either deposit the rest of the money or send the check back to social security with the amount taken out of the {$800.00}. Bank does not agree bank will still hold it they have a hold on my father 's check since XXXX the XXXX they won't solve resolve this problem with me nor will they send the check back to social security or lift the check to get the money that he is owed and release the funds to his account. They will not help me no matter how many times I walk into the bank and ask them or call them and social security said their hands are tied until the bank agrees to either take the money that's owed and issue the check or reissue another check under my name a mail check through social security. The bank stated that XX/XX/XXXX they will lift the check then they said the XXXX of XXXX now they said they're just holding the check until the overdraft amount is given. I spent them I do not have the funds Bank said they can't do anything about it. So they're holding the check not releasing it back to social security and they will not release the check to take their money and deposit the rest of the money that's owed to my father.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to privacy and confidentiality. Under the law 15 USC 1681. ( Convergent Account number 1234 ) Replace this with the accounts being disputed has violated my rights.

15 USC 1681 section 602 A States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The money source XXXX XXXX XXXXXXXX XXXX XXXX XXXX or aka XXXX is shown on my credit bureau as the originator of false fraudulent and harmful publications on my credit report. Today they claimed Im two months late XXXX XXXX. They reduced my score almost XXXX points. They are intentionally knowingly and deliberately out to harm me because I filed a case against them and have reported their conduct to several state consumer protection agencies like attorneys general in Illinois. They are out to hurt me anyway they can even if its obvious and totally illegal. Today they claim the fraud loan was paid in XXXX. Then they claim it is 30 days late in XXXX. XXXX  thats obviously impossible. And by their own choice and by their intent and willfull purpose they know the loan was sold in XXXX transfered XX/XX/XXXX but they claim Im late for XXXX too. XXXX  so willful and so intentional to harm me. They know I have a case but they want to do everything to harm me. So sad. So illegal. So obvious. Remove this debt from my credit file as u promised, stop reporting false fake info on my file, stop the theft of funds used to cancel this debt. And stop making money on the debt by not transferring it to XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Just stop already. Their attorney contacted me today to say XXXX did nothing wrong. XXXX  sad.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I recently submitted a complaint to Experian stating inconsistency on the report. Their response was that the account was mine for the wrong account. It appears these companies lack common knowledge on verification if they cant research the proper account which i clearly stated. How can they be trusted at their word that they did an investigation in the 1st place. Below is a copy of the letter sent out that list all the inaccuracies. A letter of their inaccurate investigation and a pic of the account that should have been investigated
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I noticed a charged off auto loan on my credit profiles from XXXX XXXX XXXX so I filed a FTC report and disputed the account with all my credit bureaus Equifax claimed that my FTC report was invalid and refused to remove the fraudulent account from my report.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

Upon reviewing my credit report, I noticed a series of inquiries that I do not recognize, for which I have already disputed with the credit bureaus. However, they have not provided me with the information that could validate them, which has led me to file this complaint for their removal, as they are incurring in violations of XXXX XXXX : XXXX XXXX XXXX ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
XXXX XXXX XXXX ( XXXX ) : Failure to conduct a reasonable investigation into disputed information. 
XXXX XXXX XXXX ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
XXXX XXXX XXXX ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
XXXX XXXX XXXX ( a ) ( XXXX ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 

inquiries : XXXX XXXX XXXX | XX/XX/year> CAP XXXX XXXX | XX/XX/year> CAP XXXX XXXX | XX/XX/year> CPS/MAIL | XX/XX/year> FIRSTHELPF | XX/XX/year> FLAGSHIPCR | XX/XX/year> FLAGSHIPCR | XX/XX/year> FLAGSHIPCR | XX/XX/year> SANDSMOTOR | XX/XX/year> SANDSMOTOR | XX/XX/year>
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Someone opened a XXXX XXXX credit card account in my name back in XXXX  I have never tried to apply for a credit card ever because I know my credit score isnt good enough for an unsecured credit card and I dont apply for a secured one cause I cant afford the deposit amount