davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, XXXX hasn't removed the fraudulent charges from my credit report. I don't have time to contact XXXX every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. XXXX is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud. Again, I'm not saying this to slander XXXX or the banks that opened fraudulent accounts under my name, XXXX XXXXXXXX XXXX, and CB/Express . I'm merely stating that fraudulent accounts must be removed from my report.
Consumer complaint received 2021-10-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: LDF Holdings, LLC (OH)

I recently lost my job and since day one of that happening I contacted SkyTrailCash in order to try to work out a repayment plan since my income changed due to being laid off. I offered to make $ 40 monthly payments in order to prevent the account from defaulting even more. But all I've encountered by this company is pushback and trying to make my pay my regular payment of almost {$100.00} per paycheck. I don't know what else to do in order to get this resolved with these people. Please advise.
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (TX)

I financed my pool with a company called XXXX XXXX. They used Aqua Financial for the funding in XX/XX/XXXX. Original amount was {$80000.00}, monthly payment of {$1000.00} for 20 years. I have been making {$1000.00} payments every month and not a XXXX has come off my principal. I am only able to go back to XXXX of XXXX  since Aqua is now using a new online payment portal and they do not offer you all of you loan info. 
My daily interest accrual is {$30.00}. So every 31 day I accrue {$930.00}. I pay {$1000.00} on the XXXX of every month and they are not taking a XXXX off of my principal. I made an additional {$200.00} payment on XX/XX/XXXX since my monthly payment had been removed so that the {$200.00} would go towards the principal. I looked online and it said I still owed {$180.00} in interest even after my monthly payment. I called and they said my {$200.00} will first go to pay off the {$180.00} and the remaining will go to principal. So, I cancelled the payment. Also starting in XXXX they started lowering my monthly payment by {$1.00}. Started as {$1000.00} in XXXX, then {$1000.00} in XXXX, {$1000.00} in XXXX, {$1000.00} in XXXX, {$990.00} in XXXX, {$990.00} in XXXX and XXXX is the same at {$990.00}. So why would you lower my monthly due when supposedly I am not even paying enough now to cover interest. Their statements do not show principal balance. 
I currently show owing {$78000.00}. By the time my next bill is due I will owe {$79000.00} with interest. So in over 2 years {$1100.00} has come off of my principal. {$1000.00} of that is because they posted a payment to my principal by mistake. So technically only {$110.00} has actually came off my principal. That is less than {$4.00} a month being taken off my principal. This is not right and probably illegal.
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I recently learned on my own that my private Iowans with Navient can be XXXX as I was a XXXXXXXX XXXX of the XXXXXXXX XXXX XXXXXXXX case that resulted in my federal student loans being XXXX. Navient never provided me with this information despite their awareness for several months. I have requested Navient send me a school misconduct application twice. XXXX weeks ago I learned I can not access this application on their site and that it will need to be sent to me. I have contacted Navient about this twice and still have not received the application. In addition, my monthly payment has since almost tripled and I am being told I do not qualify for reduced payments despite a consistent history of paying when the monthly payment was financially reasonable. I can not afford the new monthly payment and Navient will not put my loans in forbearance status pending the school misconduct application. Assistance and resolution from Navient has been attempted for the past XXXX weeks.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (MA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account 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 2023-11-17
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: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how First National Bank of Omaha had reduced my XXXX Mastercard credit limit from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting FNBO numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to FNBO that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at FNBO they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with FNBO currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, FNBO showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward FOUR MONTHS and still nothing has been resolved. FNBO 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.
Consumer complaint received 2023-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (NY)

I sold my home in XXXX on XX/XX/XXXX. The new owner took possession of the house a day later on XX/XX/XXXX. A week prior I called all the utilities ( gas, electric, garbage and security system provider ) to cancel all services. I specifically remember sending an email and phone call to XXXX ( my security service provider ) to cancel their service as I had sold my home and was moving out of state. All of their security equipment was left with the house. 
I moved to New York state and purchased a new home on XX/XX/XXXX. Shortly there after I received a letter from XXXX that I owed an additional month payment of {$39.00} for the month of XX/XX/XXXX. I protested this to them but paid it anyway to be done with this situation. In XX/XX/XXXX I received a collection letter from a debt collection service ( XXXX XXXX ) that XXXX sold the debt to requesting a payment of {$790.00} to settle the debt. I refused and XXXX XXXX reported on my credit report as an unpaid debt the only credit reporting service to do so. I sent XXXX  XXXX  supporting documents that I did not owe this debt and it was removed from my credit report. This same debt from XXXX was sold to another debt collector ( XXXX debt } on XX/XX/XXXX demanding {$190.00}. I refused and XXXX XXXX reported it as an uncollected debt. My credit score went from XXXX to XXXX. I made several attempt with XXXX XXXX to have this negative report removed by sending in many supporting documents as before however they will only note on my credit report that it is " disputed ''. No other credit reporting agency has this negative item on my credit report. I would like your help in trying to remove this negative information as I have a long history of paying my financial obligations in full and on time as my credit history shows.
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (TN)

On XX/XX/XXXX I submitted a letter along with a police report and ftc identity theft report stating that I recently pulled my credit and noticed it was accounts that I did not open or authorize anybody to open up which would make me an identity theft victim, XXXX only deleted XXXX account " XXXX XXXX '' and left the other XXXX along with the inquiries that I did not authorize either. The accounts XXXX left are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX and XXXX inquiries ( see attachment ). Equifax deleted XXXX accounts " XXXX XXXX  XXXX and XXXX XXXX '' but left XXXX which was XXXX XXXX XXXX XXXX ( see attachment ).
Consumer complaint received 2024-04-10
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. (CA)

Ive noticed that XXXX  deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit 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 relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a dispute  to have a Public Record  removed from my Transunion and   XXXX   credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied, but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score  and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.
Consumer complaint received 2023-06-23
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. (VA)

In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. I requested that XXXX XXXX, XXXX as well as Experian to re-investigate the attached accounts. However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy. 15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. Lastly, I requested original signature of all accounts as I do not recognize. These accounts are clearly in violation as they show past due amounts and is inaccurate.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

A certified check was mailed out to me for payout of an alimony settlement. It was unfortunately sent to an old address. I was unaware of this check being mailed until many months later when it was brought up in court. I then reached out to Bank of America to start a stop payment on the certified check. The banker at the location of XXXX XXXX  XXXX XXXX, DE assisted me in an investigation and gave me a claim number as he told me a Stop Payment couldn't be issued as the Certified Check was deposited already. This was in XXXX and I can't remember the gentleman 's name, but he was a XXXX  man. The following day I called the bank with the investigation claim number and they said they can no longer assist me and they won't be looking into the matter anymore unfortunately. I was then hung up on and have had XXXX help trying to track down my certified check from Bank of America. The check was dated for XX/XX/XXXX. it was check number XXXX and it was a sum of {$240000.00}. I'm at a loss for how to recover the funds if the bank won't assist me in the investigation. Thank you for your help and attention to this matter.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (KS)

Earlier this week Chime sent the " pay anyone '' money I was sending to my friend to an entirely different person. I spent 2 hours on the phone with them explaining this to them, they allowed me to finally dispute the transaction and assured me it would be taken care of. However they immediately denied them dispute which was money donated to me for medical expenses and they refuse to reimburse me for their error.
Consumer complaint received 2017-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXX   XXXX   XXXX   XXXX  is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several  hundred  e-mails and letters to the company including the company CEO explaining the debts are not owed.  Capital One  refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on.  XXXX   XXXX  has issued trades lines on my credit bureau listing.     Additionally, complaint  XXXX  was filed on  XXXX   XXXX ,  2017    against  XXXX   XXXX .     The companies response was they would validate the account.   XXXX   has failed to provide any type of validation, nor has sent any notice that a debt is owed to  XXXX .   XXXX    responded to the complaint on  XXXX   XXXX ,  2017 , and 60 days have now passed without any type of debt validation.