davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
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. (MA)

I filed bankruptcy and was awarded a discharge in XX/XX/2016 and it says discharge was XX/XX/XXXX. I called the office and says they dont speak to consumer companies so how did they verify wrong information. I ask to have the contact person information and never got answer just court general phone number
Consumer complaint received 2024-02-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

When I called the Bank of America to close my credit card accounts ( one ending in XXXX and the other ending in XXXX ) they reported on the XXXX account that it was closed by consumer but on the XXXX have not changed the closing comment from Closed by XXXX XXXX to Closed to consumer. On XXXX I entered the local branch of Bank of America on XXXX XXXX in XXXX, Ohio who spoke to a credit card customer service representative in their financial center about the issue who insisted my previous complaint was closed and that the issue was the credit reporting services. The XXXX XXXX XXXX stated it was the bank that reported the information incorrectly.
Consumer complaint received 2024-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've contacted capital one in regard to a late payment that they say I've accrued in with them. I've always paid my bill on time which i told them. I also told them the payment there saying I was late was not my fault that my wallet was stolen and had to get another debit card and had to set up my automatically bill pay to the new card which i did. I informed them of my wallet being stolen. I also mentioned to them that I've moved XXXX  2020. I have put a change of address in with USPS to the address that I've moved to. I've told them that I didn't receive any mail from them pertaining to a payment being due or pass due because of how I set up the bill to be paid on the due day of every month it was due through my auto pay. I've talked to representatives that were promising me that they were going to remove the late payment, but it hasn't been removed. There are some other concerns with other agencies that I've tried addressing with the agencies, but they were not being really helpful when asking for validation. They were being really rude and what seems to me that they were just trying to rush me off the phone or not sending me validation.
Consumer complaint received 2024-04-13
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. (ME)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed certain items that have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. Regrettably, I've become a victim of identity theft, compelling me to take action to report this incident.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-02-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

Debt Collector failed to make contact with me ( sending a debt validation letter ) prior to reporting to the credit bureaus as of XX/XX/year>. It was not until about XX/XX/year> when I started to dispute this have yet to receive any documentation j have requested from the CRAs and the Collection agency.The account summary that I finally received from the original creditor had numerous errors including incorrect dates, charges that my leasing contracts states I do not owe, charges for move out costs I am not responsible for as emails from the credit will state, etc.In which shortly after being made aware of this alleged debt on my credit report I made numerous attempts to dispute. Due to the Collector violating the Fair Debt Collection Practices Act and the new rule as of XXXX XXXX specifically stating how debt collectors can communicate with you, including what information theyre required to provide at the outset of collection about the debt, Adding, that after providing legal documentation, signed contracts, various forms of correspondence with the Creditors to support my dispute that the alleged debt amount is inaccurate as I do not owe a balance, the attempts made to collect are violating my rights, the collector and the CRAs have failed to provide me with documentation to accurately validate their claim as I have requested repeatedly among other violations I believe they have made. Noting that the initial complaint filed in court by the creditor had false claims as they added rental amounts to eviction notice that had been paid.
Consumer complaint received 2018-08-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I'm really disappointed in Capital one, they don't want to follow protocol the FCRA puts forth. They just verify everything and don't do an actual review of the concern at hand. I have sent in several requests for the bureaus to do a review of a late which is reporting in XX/XX/2016 each time Capital one responds with needing more information. I provided all my personal information which i'm sure the bureau sends over since I get a response from capital one so they know which account i'm referring to. Instead of doing an actual investigation they just spit out a letter either requesting information or saying they responded already. This isn't the case never once did they do an actual review since they always claim to need more information. 
In the letter which is from XXXX it says they responded in XXXX I never got a response.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX I noticed an unauthorized charge for {$62.00} on a credit card ending in XXXX issued from Barclays. This was unsetteling for XXXX reasons - the first was I never activated the card, so no charges should have been allowed on it and the second was I didn't have a subscription to XXXX XXXX Live. I had cancelled it back in XXXX of XXXX. 

I immediately called Barclays to dispute this and gave them all the pertinent information. I received a letter from Barclays dated XX/XX/XXXX acknowleding the dispute and another letter dated XX/XX/XXXX stating they were awaiting a response from XXXX. 

In XXXX of XXXX the charge of {$62.00} was reversed and then put back on the card. I started getting charged interest, penalties and late fees for a fraudulent charge on an inactive card!! Very frustrating. 

I received a letter dated XX/XX/XXXX from Barclays stating that the credit limit on the same credit card was lowered to {$500.00} because it was delinquent. 

On XX/XX/XXXX, I called XXXX several times and finally spoke to a XXXX XXXX XXXXXXXX We spoke for XXXX XXXX  and they informed me they had no record of the credit card on file and that is was fraud. 

I reported the card as compromised to Barclays and then received a letter dated XX/XX/XXXX stating that the card ending in XXXX has been closed due to suspicious activity. 

I wrote a letter to Barclays with a copy to the CFPB on XX/XX/XXXX with a full explanation of what happened and Barclays refusal to fix the fraudulent charge on the card ending in XXXX. 

I then received another letter from Barclays dated XX/XX/XXXX stating that they would not credit my account because they were not provided with the true nature of the dispute when first notified of the claim. This is UNTRUE as I explained the nature in my calls and in my letter. 

I received a letter dated XX/XX/XXXX saying my account had been closed because it was past due. 

The Barclays case number for my complaint is XXXX XXXXXXXX.
Consumer complaint received 2018-08-28
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (FL)

Due to hurtican IRMA ( in fed declared disaster zone ) I spent more than expected vacating & repairs. I am a XXXX female. FHA assisted with a modification which was ratified on XX/XX/2018 with trial payments thru XX/XX/XXXX. Each payment was made in advance. During this time i was sent SOMEONE ELSES LOAN DOCUMENTS. I informed LOANCARE and was sent my papers. These wete returned notarized but apparently ate getting shuffled around between XXXX XXXX ( processor ) and whoever is thhe new pt of contact ( old is XXXX XXXX loss mitigation ). Because this was disaster related the 1st 90 days was extended another 90 days - in forbearance NOT TO. BE REPORTED LATE TO CREDIT BUREAUS. There are continuous errors reported to credit bureau and promises to fix over & over again. These are unfair practices in collections. 
XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There was an account opened in my name from Capital One on XX/XX/year> for the amount of XXXX dollars I noticed the account once I started to see my credit go down because of late payments to where its been negative since I noticed and reported that the credit card was fraudulently open under my name by someone else and it needs to be closed and remove from my report. I have tried to resolve this issue over 7 different occasions also with my police report in regard of this account and nothing has happen they denied my claim and continue to report this account after I tried that and through the three credit bureaus.
Consumer complaint received 2018-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I used the XXXX money transfer app because it was advertised in my Wells Fargo app so I trusted to use it to transfer money over in exchange for tickets that I was trying to purchase on XX/XX/2018. However, I did not know there was no protection from scammers or any kind of fraudulent activity. When the person never meet with me to transfer the tickets I realized I had been scammed and reached out to XXXX and Wells Fargo, my bank. You can imagine my surprise when I found out there was nothing they would do. I filed a claim with Wells Fargo and once it was denied, even after the associate I talked to initially made it seem like there would be no problem getting refunded, I contacted them again. They said there was nothing they would do because they don't cover that and to contact XXXX. I told them I already had and that they wouldn't do anything to protect the user. Since Wells Fargo owns XXXX, I thought it was interesting that there was " nothing that they can do ''. As a member of the bank for years I believe I should be protected against scams and fraudulent activity that I was victim to in this situation.
Consumer complaint received 2024-04-12
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. (VA)

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.

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 2024-04-12
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)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL FRADUALENT INQUIRES
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a fraudulent loan with XXXX XXXX  of {$3000.00} and it has been under investigation since around XXXX XXXX. XXXX XXXX Continues to not help or resolve the case and it is continuously hurting my credit. I have put in fraud claims with XXXX XXXX, XXXX police  on XXXX XXXX and with be going today to put in a report with XXXX XXXX Superior Court. I am requesting this loan to be taken off my credit because it is not my loan and I am not at fault.
Consumer complaint received 2022-11-14
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)

In accordance with the fair credit reporting act XXXX accounts listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} Opened : XXXX XXXX  15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Money was transferred from checking account to savings account. Money was intended to be for rent. Planned to move Money back and pay rent when the management group updated our portal. The savings account was closed without my consent but only after our funds were transferred. Now we do not have our rent money and the institution support is saying not to worry that the money should be credited to the original checking account within 5 business days. Meanwhile my rent will go unpaid.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation (CA)

My wife requested an secured loan at One Main Financial, I was placed as co-applicant. My wife was having problems making the payment since we had some financial difficulties therefore, she requested to have the loan modified to request a payment extension. She was granted the extension but they continued to mark the loan as 30 day late on our credit report. I have made multiple attempts through experian to remove the negative information but it always return as " update '' and no changes.
Consumer complaint received 2023-11-05
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. (FL)

There is no Signed Legal contract between myself and the XXXX has falsely added this information to my credit reports. There are no Signed contract between myself and them. Therefore these false information should be removed from my credit reports immediately
Consumer complaint received 2021-04-01
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. (MD)

I sent XXXX XXXX a goodwill letter to ask to have account removed from XXXX credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.
Consumer complaint received 2023-05-18
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. (CA)

In accordance with the Fair credit report act 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 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2024-03-15
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NC)

Have not been able to pay XXXX and now XXXX mortgage payments. 
Due to website is non functional. Stats its always down for maintenance. 
When attempting to process payment via telephone ; Prompt system say they are having mechanical issue and system and technical outage at this time and you can not speak to anyone and it disconnects. 
that numbers is ( XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please Delete these Hard Inquiries as I did not authorized them : 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
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (AR)

COLLECTOR ONCE AGAIN VIOLATED THE F.C.R.A. FDCPA AND TCPA FOR 11 CLASS ACTION MEMBERS. DELETE ALL FROM XXXX XXXX AND XXXX CREDIT REPORTA.
Consumer complaint received 2018-08-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has called me at XXXX XXXX on XX/XX/18, XXXX XXXX  on XX/XX/18 and this morning at XXXX XXXX. They have my address in XXXX California correct, and I have repeatedly told them that I am on the West Coast ( as per the address on record ) and yet the calls are still outside permitted contact times. This is 3 times over the past month, and are not the only times they have called outside proper business hours. 
Each time I advise them I am in California.
Consumer complaint received 2018-07-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I have submitted my unemployment documents from the State of Texas three times to Navient and they refuse to apply my Forbearance for loss of income. I have filled out the form, submitted documents such as separation letter from employer, approval of benefits from XXXX and payment information from XXXX. This is for a Federal Student Loan.