davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. 1. Where is the proof? 2. Why is this account being updated?
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (VA)

My name is XXXX XXXX and I live in Virginia. 
Almost XXXX years back I went to service my car at a XXXX here in XXXX, Virginia. 
I was told by the front desk that I can apply for a Good Year card with 0 % and I did. 
After getting my car serviced, I was told that since I got qualified, I do n't have to pay anything at the store, however I will receive a bill at home with my Good Year Credit Card. 

I did not receive anything from Good Year for almost XXXX months and since it did not strike my mind, I too did not followup. 
I went to the same store after XXXX months and after enquiring about my previous bill, I was surprised to hear that the my case has gone to collections since they send me the bill but I never paid. 
On hearing this I was shocked because I have never done this kind of thing and its not correct. But more than that, I was shocked and surprised because I never ever received a bill from Good Year till date. ( even till date I have no communication ) I immediately went home, called good year and cleared all the bill via my debit card. 
Then I even closed that account. 

Now after these may years, the good year company is hurting my credit. I am trying to purchase a singly family house but because of this dent made by good year, I am able to get only XXXX credit score, and thus not getting loans with good APR. 

I request that since I have cleared the bill long time back and closed the account, please remove this entry from my credit please.. Honestly, this is not my mistake so kindly do not make me and my family suffer. 

XXXX XXXX XXXX
Consumer complaint received 2017-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

On three separate occasions over the past 90 days have requested a free annual credit report from Experian credit reporting agency as available pursuant to federal regulations under the Fair and Accurate Credit Transactions Act ( FACTA ) and the Fair Credit Reporting Act ( FCRA ). On three separate occasions they were unable to provide same and requested additional identifying information. On each of these three occasions I provided a written response which included all of the requisite information. Nevertheless my now fourth request for a copy of my Experian credit report was denied again requesting the same information.
Consumer complaint received 2023-10-20
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)

I am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer. Bankruptcy is reporting on XXXX and Experian. It is not reporting on XXXX. I called the courthouse in XXXX, XXXX and they stated, they don't report to any credit bureaus or third parties. Reporting this to my credit bureaus is a bankruptcy violation. There are factual errors on my credit report. According to 15 US code 1681 A 4 consumer privacy rights, the credit bureaus are committing identity thief by reporting my personal information, without my consent. I've disputed this with the credit bureaus, with no avail. Please remove this information as you are in violation.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. I've listed the unauthorized inquiries below. XXXX XX/XX/2022 and XXXX XX/XX/2022. Please delete these unauthorized inquiries ASAP.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I Have No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -
Consumer complaint received 2020-05-18
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 (MA)

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks
Consumer complaint received 2023-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (HI)

I was expecting to pay off my loan today that was quoted to me on XX/XX/12 that my payoff was XXXX. And a XXXX XXXX To day when I called 2 days later. I was being charged {$300.00} more than quoted previously. Due to finance charges- I was not quoted finance charges when I asked for my pay off amount 2 days ago. I asked to have them reversed so I can be done with the loan and the rep XXXX said no its a financial charge. I find this to be a shady practice as I was given my pay off 2 days ago not expecting another {$300.00} to be tacked on. If I was give a payoff price I should have had that be done with my loan not extended by XXXX. I want to dispute this charge as XXXX then quotes to me that the payoff would be {$310.00} on Monday! Seriously! How does that work if they added {$300.00} in 2 days and then the next 2 days they will be adding only {$11.00}? No! Please reverse all charges as I have payd them completely off as of today. All funds were paid in full as quoted by previous staff and the original life of the loan included late fees. Junk financial charges should be removed please
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I applied for the Quicksilver credit card with Capitol one and I applied for the card thinking since they are offering {$200.00} bonus after spending {$500.00} they would give {$200.00} back. I called them to ask about it and they said I don't qualify for the promo, I know I would have to spend XXXX and I know that's part of the requirement, but they said even so I still wouldn't be able to get the promo bonus!! I think it's misleading to the consumer thinking all along if the requirements are met then the bonus will be applied within 1-2 business cycles on the statement. I called and threatened to cancel the card because mainly one of the reasons I opened the account was for this reason to earn the {$200.00} bonus after the initial {$500.00} spent. I feel mislead and deceived and they should clarify and fix this issue ASAP.
Consumer complaint received 2023-10-20
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. (GA)

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. 

XXXXXXXX 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 XXXXXXXX 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 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.

with this violation occuring It has created hardship with me being able to utillize my credit report to get approved for housing, I havent been able to get the best rates on auto loan to purchase a car causing issues with finding jobs in my area that require traveling. Im not able to apply for major credit cards to start funding a business this has me in a financial hold. Not being able to apply for personal loans to help pay bills such as medical, rent, utilities.
Consumer complaint received 2023-10-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (CA)

I'm trying to avoid foreclosure so I applied for the XXXX XXXX XXXX XXXX. My application with them was started/ was accepted on XX/XX/XXXX. California Mortgage XXXX program contacted LoanCare ( my lender ) on XX/XX/XXXX requesting the needed information. My lender says that they sent the requested information back to the Relief Program on XX/XX/XXXX. I've called the Relief Program several times and they tell me that LoanCare has not contacted them or sent the requested information at all. 
I get the run around every time I call LoanCare. I'm in Loss Mitigation right now, I've been waiting for some answer from the lender/LoanCare since XX/XX/XXXX. They restarted my loss mitigation application on XX/XX/XXXX, but still have no answer. So I have no response from the Lender for either option to save my house. 
This is abuse. It's mental abuse to do this to people and not be transparent between the lender and buyer.
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (GA)

XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX XXXX sold to LVNV FUNDING ACCOUNT # XXXX listed multiple times on my credit report. on XXXX I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. XX/XX/XXXX, Debtor purchased debt ( violations : proof of debt with wet signature. ) XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XXXX. Creditor removed collection account from XXXX XXXX XXXX and one time on XXXX only. I requested to be removed on all bureau. creditor sold debt to Debtor and Debtor failed Request. Debtor purchased debt violations : proof of debt with wet signature, XX/XX/XXXXXXXX I Disputed this collection with twice XXXX XXXX Debitor reported the collection account on XX/XX/XXXX with the same account On XXXX XXXX XXXX as of XXXX ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXXXXXX  on XXXX as of XXXX XXXX payment status is late 120 days on a collection account XX/XX/XXXXXXXX Debtor has reported the collection to XXXX ON XX/XX/XXXX Debtor has not responded to my request or updated my account on XXXX XXXX XXXX. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately.debtor failed to update the comment section that i disputed this account. debtor and bureau deleted the information on XXXX XXXX XXXX and reported the account as of todays date XX/XX/XXXXXXXX Creditor ( XXXX XXXX XXXX removed from XXXX sold the debt to LVNV and then LVNV reported the collection on my account and did not update in the comment section that an investigation was completed
Consumer complaint received 2017-05-02
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX / XXXX /  XXXX    XXXX  charges on my Bank of America Credit Card : {$89.00} charge from   XXXX   XXXX    {$89.00} charge from    XXXX   Disputed charges to Bank of America  They    took the side of the consumers Been fighting this with the Bank for well over 1 year submitting tons of information Bank turned me over to a  Bill Collection Agency    I turned to  XXXX   XXXX , Attorney General, Ohio His Department was able to get total refunds for me from both companies I have sent this money to the Collection Agency.     Have reported this to the Bank. They still have {$230.00} of late charges, bank fees that they will not take off by telling the  Bill Collection Agency  that I no longer owe these charges. My card has been closed since  XXXX / XXXX /  XXXX   but they continued late charges.
Consumer complaint received 2023-10-20
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.
Consumer complaint received 2023-10-20
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-04-19
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. (IL)

All concerning, I am writing to file a formal complaint regarding a Experian 's refusal to investigate a previous complaint that I submitted. I am extremely disappointed and concerned about the lack of action taken by the agency, despite the fact that the complaint was directly sent by me and was authorized by me alone. 

The complaint that I submitted contained important information about a situation that required immediate attention. However, Experian has failed to investigate the matter, which has caused further harm and distress to those involved. 

I would like to stress that the complaint that I submitted was done so under my own volition and with the intent of resolving a serious issue. I followed all of the necessary procedures and protocols in submitting the complaint and I was led to believe that it would be handled with the utmost care and attention. I included my rivers license and a utility bill to further support my legal identity and residence. 

It is unacceptable that Experian has refused to investigate the complaint despite my direct involvement and authorization. I strongly believe that it is the responsibility of Experian to thoroughly investigate all complaints and take appropriate action when necessary. I am relying on Experian to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards to ensure that all information in my credit report is accurate. Experian 's stall tactics are unwarranted, unethical and illegal. 

I am now seeking the assistance of the CFPB to ensure that this matter is thoroughly investigated and resolved. I urge you to take swift action in investigating the external agency and ensuring that appropriate measures are taken to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX- # XXXX - {$730.00} XXXX XXXX - # XXXX - {$2300.00} XXXX XXXX XXXX - # XXXX - {$3500.00} XXXX XXXX - # XXXX {$3500.00} XXXX- # XXXX - {$1800.00} XXXX # XXXX - Bankruptcy XXXX XXXX Bankruptcy- Reference # XXXX 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
Consumer complaint received 2023-04-26
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. (MD)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2017-05-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

This is a follow-up to my previous complaint.   Consumer Financial Protection Bureau  ( CFPB )  :  XXXX  Ditech Financial LLC Account Number :  XXXX   Ditech  stated in there letter dated  XXXX   XXXX ,   XXXX   : Our records show, however, a new advance was assessed to your account on  XXXX   XXXX ,   XXXX  . This new fee, in the amount of {$29.00}, was assessed due to the delinquent status of your account. As servicer of your loan, we are obligated to protect the investors interest in property if an account becomes delinquent, thus an external property inspection was performed to determine the occupancy status. Please note that your  XXXX    XXXX   payment was due  XXXX   XXXX ,   XXXX  , but did not post to your account until  XXXX   XXXX ,   XXXX  .     This is an inaccurate statement as I have enclosed documentation from my bank showing when the funds were electronically with-drawn from my account, ( for  XXXX    XXXX   payment ) which was withdrawn on  XXXX   XXXX    XXXX  , instead of  XXXX   XXXX ,   XXXX   as stated in the above response from  Ditech.
Consumer complaint received 2023-09-22
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. (MD)

Previously, I made an investigation about these items with incorrect information and after checking your responses, I recognized that the same items are still incorrect, with a confirmed status. Please correct the following items listed below : 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