davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to file a formal complaint against Capital One regarding a recent incident that has caused significant distress and financial hardship. I believe that I was misled by a Capital One phone representative regarding a payment arrangement, which has resulted in a late fee and a XXXX late payment remark on my credit report. 
On XX/XX/2023, I contacted Capital One to inform them of my financial hardship due to contracting XXXX and taking time off from work to recover. During this conversation, the phone representative assured me that they could push back my payment due date to XX/XX/2023, and that no late fees or XXXX late remarks would be incurred if I agreed to start the payment plan. Importantly, I asked numerous times, on the recorded line, about the consequences of accepting the payment plan and was repeatedly assured that no late fees would be applied or remarks of XXXX XXXX late would be reported to the credit bureaus. 
To my dismay, on XX/XX/2023 XXXX days before my new payment was even due. I discovered a {$40.00} late fee charged to my account and a XXXX late payment remark reported to the credit bureaus. This outcome directly contradicted the explicit promises made by the Capital One representative during our phone conversation on a recorded line. As a long-standing loyal customer, I have never missed a payment before this incident, and I find it deeply unjust that, during a time when I sought assistance, I am now burdened with a XXXX late payment remark on my credit report. 
Given the circumstances surrounding this matter, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in rectifying this situation. Specifically, I am requesting the removal of the single late payment remark from my credit report. It is evident that I was provided with inaccurate information and led to believe that I was taking appropriate measures to address my financial difficulties. 
I have attached copies of relevant documentation and supporting evidence to substantiate my claims. These documents demonstrate the misleading nature of the Capital One representative 's statements and the subsequent adverse impact on my credit standing. 
I trust that the CFPB will conduct a thorough investigation into this matter and take the necessary steps to ensure that I am treated fairly and justly. I genuinely believe that the actions taken by Capital One were unfair, unjust, and have caused me significant financial and emotional distress. 
Thank you for your attention to this matter. I eagerly await your response and hope for a swift resolution to this issue. Please feel free to contact me if any further information is required.
Consumer complaint received 2024-09-12
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. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-06-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OR)

I purchased a vanilla visa gift card on XX/XX/year> from a XXXX store I loaded the card and made XXXX purchases leaving my balance at {$45.00} dollars. Same date as purchase I called the number to check my balance they informed me I had the above mentioned amount but couldn't spend it because the card was blocked due to a potential fradualent merchant although the company refuses to provide a merchant id number or location XXXX I was informed it would take 7 -10 business days to replace my card I waited and they never sent it so I called around the XXXX on this day they are willing to expedite my replacement claiming 2-5 business days and this is now XXXX I cal XXXX  XXXX services had them conference the call with this incomm card services we spent 2 hours getting no where nothing but the generic prewritten responses in broken english, they refuse claiming it's not possible according to their policy to provide a XXXX  XXXX tracking number for the expidited card, they now want me to send address verification mind you my building is secured and mail area on camera I've had no issues in the 3 years at my residence with receiving XXXX mail or XXXX  XXXX packages, XXXX XXXX recorded the call until my conversation with incomm required their employee to place my call on hold the man comes back an instead of answering my question he asks if XXXX is recording after the second time he was informed again the call was recorded demanded it not be he disconnected with again no resolution this incomm should be investigated the XXXX XXXX representative gave me this reference # for the 2 hours imi spent on the phone # XXXX and that was today
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VT)

XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report
Consumer complaint received 2024-04-27
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. (GA)

XX/XX/year> I made a XXXX XXXX XXXX complaint against Experian  XXXX XXXX. Not only did they ignore giving me information they didnt comply with the XXXX  or FCRA XXXX I have so much proof that I am willing to take further action. They didnt even respond after XXXX  told them they recommend them remove this account or they will leave a negative remark on the XXXX  account. This is what I stated! 

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting stands.
Consumer complaint received 2024-05-19
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. (NY)

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE MONTH YEAR OF FIRST CHARGE OFF SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONT. THIS IS AN UPDATE IN THE PAYMENT HISTORY .A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE HISTORY THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT. 

HAS VIOLATED MY RIGHT I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-15
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. (GA)

My XXXX XXXX XXXX account is reporting delinquent, but I am current and have never been delinquent on this account with XXXX XXXX XXXX. I called them twice today to confirm I have never been late and 2 different reps told me what I already knew which is the fact that I have been delinquent with them.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a noticed from Midland Credit Management on XX/XX/XXXX, that caught my attention, it showing that i have a charge off debt that was sold, their reporting is fraudulent. 

I also included attachement talking about the Publication 4XXXX XXXX XXXX XXXX  Canceled Debts, Foreclosures, Repossessions, and Abandonments.
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: EQUIFAX, INC. (OH)

I received a notification on my XXXX XXXX today regarding a new account being added to my credit report. I did not open this account or gave anyone any authorization to open one.

please remove this fraudulent account from my credit report as it does not belong to me. 

XXXX XXXX
Consumer complaint received 2015-07-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

This is an extension to a former complaint filed a few days ago with NationStar. After XXXX Title Company tried to pay off the lender for my home the lender NationStar rejected the payment saying the payoff amount was short by XXXX but could n't tell us where that amount came from and why. They sent us a new payoff balance which stated that the new payoff amount was not short by XXXX but actually short by XXXX but again could not tell us why or what for. We spoke with XXXX different representatives who all stated that it was an error on their end when giving us the payoff balance but they could n't pin point what the error was from and how they got their numbers. XXXX Title Company decided to pay them the extra XXXX out of their own company funds to be done with the situation. Upon sending NationStar the new payoff balance with the XXXX difference somone mistyped and over payed NationStar by XXXX We contacted NationStar who said that they were unable to return the wired overpayment because their system showed the received the fund through a check not a wire. XXXX with XXXX XXXX gave them wire transfer information proving they were wrong and that the funds were indeed sent via wire. We spoke with a XXXX, XXXX who said that they would send the XXXX back but could n't until AFTER XXXX days due to NationStars policies. She then changed her story stating it could be done after XXXX days. She then again changed her story and said that we could put in a request after 18 days to try to get the funds returned and that it would need to be processed and if approved then we would receive it via check in the mail through XXXX. She said that she could not send the funds to XXXX XXXX that she could only by law send them to me. So now we have to wait XXXX days to received this check once it 's sent here to XXXX to me I have to signet over to XXXX XXXX and overnight it to their offices in XXXX. I 'm extremely irritated that NationStar changed the payoff amount AGAIN and can not tell us why. I 'm extremely irritated that they will not return XXXX Title Company 's money to them. I 'm extremely upset that they changed the payment received in their system in order to prolong the refund process. This company is beyond ridiculous, unprofessional, and fraudulent. Attached you will find the documents showing the payment differences the wire transfer and the over payment to them supporting my claims.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MT)

I have been a member at US Bank for 6 years for both my personal and business accounts. They randomly decided to discontinue the relationship and wont tell me why. I had several thousand dollars worth of credit card points and they are saying that they are just gone and I will not get anything for them. This seems like a gross example of a large institution taking advantage of a hard working member of society. I need those points to at least go towards paying of my remaining debt on the credit card. I understand that in the agreement with the bank they are not responsible for telling me why they closed my accounts but to rob me of all of my hard earned points is unamerican and criminal.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am very very upset because Experian and XXXX XXXX  because they have caused my credit score to drop XXXX points because of inaccurate information being reported. I have disputed this XXXX XXXX  Account ( XXXX ) and the balance is {$0.00} and you all made an error and insert a unauthorized balance of {$7800.00} balance on my credit file, causing my credit score to drop XXXX points. Before I disputed this account, it was {$80.00}, which was still incorrect. I am HIGHLY upset and is about to seek damages through litigation because the balance is {$0.00} and have been like that for over XXXX months now. I am requesting for this account to be updated immediately or to removed from credit file immediately, if you all can not comply with 15 USC 1681 or HJR 192 of 1933 acts. Please comply immediately. Thanking you in advance!
Consumer complaint received 2024-06-08
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. (CA)

Negative reporting from furnishers of credit were not authorized by me. I have been derailed and deceived by their outsourcing employees. There's is no resolution in dealing with the ignorant people at XXXX who continue to robotically repeat the same tactics of stalling and deliberate and irresponsible reporting that has hurt my financial situation and has affected my employment as a government agency employee. I will be contacting an FCRA attorney for enforcement however I desire the CFPB to follow up with these predators.
Consumer complaint received 2024-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As of XX/XX/year>, No status has been given by XXXX ( see below reference ) XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies reporting Improper use of your report by the XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year> Status : Open-Company response is in progress as of XX/XX/year> This CRA is in dire violation of the FCRA and the FTC and no one at the CFPB XXXX XXXX XXXXXXXX XXXX so I will move forward with filing a Federal lawsuit against the CRAs and the CFPB for lack of enforcement.
Consumer complaint received 2024-05-27
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)

On October 03, 2020 sent a request to Experian for method that was used to verify bankruptcy case # XXXX on my report. XX/XX/XXXX they responded with inadequate information, didn't remove the information but indicated XXXX was able to verify it. XX/XX/XXXX sent letter to XXXX requesting their method of verification. In their letter they suggest that I should contact Experian. My letter XX/XX/XXXX I explain that I had contacted Experian. XXXX letter dated XX/XX/XXXX and XX/XX/XXXX the disputed information was removed because it could not be verified.
Consumer complaint received 2023-06-27
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)

I paid off XXXX in XX/XX/2023, its still on my credit report as open and a balance. I called an no response they said its the colllection agency I call collections agency and they said the reported to the credit bureaus already. Its a cat and mouse game. Please help
Consumer complaint received 2024-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Lakeview Loan Servicing , LLC paid out 2 home insurance policies totaling {$12000.00} shorting my escrow account. Lakeview informed me I could not make direct payments to my escrow account.

After mortgage modification Lakeview 's escrow utility ran and increased my monthly loan amount, Lakeview never sent communication of new amount and began marking my account as " late '' After contacting Lakeview it took more than 6 months for them to identify why my account was showing as delinquent. Managers did not communicate what was going on with my account. The entire customer service piece was terrible and I've been on the other end of what feels like a company that is nickel and diming me. 

IXXXX XXXX XXXX XXXXXXXX Lakeview charged my bank account twice for my mortgage even though they were paid, I incurred overdraft fees because of this and the company suggested I was to blame for this. I am still waiting on a response from them on this item. 

I should not be liable for the late fees caused by their system failures and my credit should never have been impacted by their mistakes. 

Documentation : My documentation is limited to what is present on my loan portal. It shows a lack of detailed information from Lakeview in relation to their claims. 

-Escrow Analysis : Shows being run in XXXX and XXXX of XXXX which discounts their claim that a new escrow analysis was run post XX/XX/XXXX. 

-Escrow Letters : Shows NO letters being sent to communicate change in escrow at anytime -Payment history starting in XXXX XXXX showing no missed payments
Consumer complaint received 2018-04-20
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: EQUIFAX, INC. (NY)

XX/XX/XXXX I opened a dispute with XXXX and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was XXXX dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All XXXX updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} XXXX is most likely going to follow the same suit. XXXX has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.