davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Name : XXXX 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 Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 


Account Name : 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 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 2023-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (OH)

L J Ross Associates Inc has failed to validate an " alleged '' debt in the amount of. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Nationstar Mortgag e ( Loan  #  XXXX   ) pai d, early, to  XXXX   XXXX   XXXX , our annual premium. At the time, we were in the process of refinancing and changed our insurance company to  XXXX   XXXX .  <P/>  XXXX   XXXX  assured us they had refunded the money to Nationstar and that the {$490.00} would be refunded to us " in several days. '' This was on the  XXXX  of  XXXX .  <P/> Nationstar continues to send us auto-responses that say they 'll get it taken care of " within 30 days, '' but that date has come and gone.  <P/> In addition to the {$490.00} that was sent to the wrong company  ( our new mortgage holder paid the premium when we refinanced, so the refund is due to us ), there is an additional {$130.00} and change due that was a overage they collected during the year. Nat ionstar claims they cut that check on  XXXX   XXXX , but we have not seen it.  <P/> We have no disposable income and were counting on the {$620.00} to offset most of our  XXXX  mortgage payment. Unfortunately, we had to pay it without having that money and we are at risk of being overdrawn in our checking account.  <P/> Please help us. We 're just plain working people trying to stay afloat in this perilous, uncertain world.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (TX)

I had a credit card with XXXX  which is under XXXX XXXX XXXX. The account was charged off in XXXX and was assigned to XXXX XXXX. I was offered a settlement in exchange for a pay for deletion. After resolving the settlement of {$830.00} on XX/XX/XXXX, I waited a few months to check my credit report for the deletion only to see the account balance was updated to {$0.00}. Til date, it has not been deleted from my report ( see attached ).
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (MD)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Similar to the previously filed complaint, BUT on a completely different topic... 

On TransUnion 's haphazard website, I repeatedly CAN NOT access the " Freeze '' options without some idiotic " technical '' or other, convenient error message. 

This has been an ONGOING issue for YEARS now, and I've HAD IT. 

TransUnion is the MOST IMPOSSIBLE of the XXXX bureaus when the matter involves online " self-service ''.
Consumer complaint received 2024-03-08
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT NAME : XXXX XXXX XXXX XXXX- schools ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX NAME : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NAME : XXXX 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 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 2018-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX bought a fraudulent account from XXXX XXXX XXXX. XXXX XXXX XXXX  had imposed fees not included in the term in either written or verbal form and, tried to collect the debt on their own by 12-19 phone calls a day. Some happening as frequently as every 15 min. After arguing about the 1st bills inaccuracy for 27 days the account was closed and placed in internal collections. XXXX XXXX XXXX ceased calls after 58 days. The account was originally openedXX/XX/XXXXand closed XX/XX/XXXX ( XX/XX/XXXX according to XXXX  ). XXXX XXXX XXXX  purchased the debt on XX/XX/XXXX. It was reported to XXXX in XX/XX/XXXXand removed from the report in the same month for Fraudulent reporting. On XX/XX/XXXX, XXXX XXXX XXXX   reported the debt to XXXX.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NAVY FEDERAL CREDIT UNION (TX)

I called Navy Federal at the end of XXXX, early XXXX ( it was certainly after XXXX ). I spoke with a Gentleman in collections asking for options to get caught up on my payments ( he spoke about Deferment Program ) due to a hardship ( I lost my XXXX  XX/XX/XXXX after losing my home and great paying job, so I took sick really bad and couldn't work ( I explained this all to the gentleman ). He showed great symphony and ensured me again that I don't have anything to worry about. I accepted the hardship option, and he stated okay I'll be good and no issues. I advised that gentleman that I could make a lump sum payment XXXX and again he advised everything will be good. Now, my vehicle was picked up XX/XX/XXXX, I didn't receive any phone calls, emails or mailed letters advising that a repossession was in place because I would've been on top of it. I've never had a repossession in the 10+ years I've been driving and purchasing vehicles. Now, I called in the same day and advised representative of this and all she can say is " there's no documentation to reflect that conversation, and ensured she'll be investigating. Well, she never called me back or anyone else, so I called again expressing broken promises and communication concerns with this company because now it's out of hand even more. So, I ask is there anything that anyone could do to assist me, three different agents misdirecting me stating " we can transfer you to repossession and they can work something out with you '', I speak with repossession three different times and each agent stated " we don't provide assistant in this department, the only thing we can do is take the payment that's owed. And they apologized and stated " they not sure why the collections representative will transfer me over to inquire about payment options ''. Again, a huge lack in communication and lazy workers not knowing they job. So, here we are again.
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (NV)

I am writing to file a complaint regarding the application of payments on my RV loan with XXXX XXXX XXXX XXXX XXXX which was picked up by Bank of the West. Specifically, I have noticed that recently all of my monthly payments are being applied to the interest, despite the fact that my loan agreement specifies that early payments will have the effect of reducing the final payment. 

What is odd about this matter is that initially the payments were correctly being applied to both the principal and interest. I then went ahead and made a few early payments and noticed the lender applied the amount to both the interest and principal. This practice appears to contradict my loan agreement which specifies that early payments will have the effect of reducing the final payment. 

I have contacted Bank of the West to request that they modify the payments so that a portion is applied to the principal and a portion to the interest, as outlined in my loan agreement. However, they have refused to do so. 

I believe that this practice is in violation of my loan agreement and may be causing me to pay more interest over the life of the loan than I should be. I would like to request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of the West is applying my payments in accordance with my loan agreement. 

Please let me know if you require any additional information or documentation from me to support this complaint. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-19
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: CAINE & WEINER COMPANY, INC. (VA)

I was checking on credit karma and see where this company using my name with a dead collection that I dont know nothing about so can you please delete it for me and remove it from my credit thank you I really appreciate it
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-20
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. (CA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have had my Capital One Mastercard for many years. I admit I have missed some due dates but I have never been 30+ days over making a payment. I have always paid either the amount due or a few dollars over the amount due but never less. I have been unfairly charged on my credit report of not paying {$10.00}. If I have paid the amount due on each bill, how am I short {$10.00}? They also have charged me a late payment fee which is fine because I have missed the due date, but this company can not charge me this fee and make me pay it as part of my balance. My balance consists of charges I made making purchases using the credit card. I pay my monthly bill based on those charges and my payment due should not include the late fee. That is not a charge I incurred during a purchase at a retailer when buying merchandise or services. They are making their customers pay these fees as part of their monthly payment due. They are also charging this fee when it is convenient. There have been times where I missed the due date but paid the bill before the next statement was cut and there was no late payment fee. This is inconsistent practices that the consumer should not have to bear the consequences for. Because of this practice, they unfairly marked my account as past due for 2 months and caused my credit scores to drop. My payment history has always been 100 % paid as agreed.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've had an active fraud alert that contains my cell phone number for creditors to contact me and verify Information when placing a credit inquiry. It just expired this month. That has been violated by all 3 companies for the past year. They go ahead and proceed with the process and release my information. I also have an active security freeze through transunion and they continue to let credit inquiries come through. I have extensive credit inquiries processed completely and it has majorly damaged my credit. Do I not have any rights here? Please verify all this is accurate and please let me know what steps I should take to resolve this matter.
Consumer complaint received 2023-02-13
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: SYNCHRONY FINANCIAL (IL)

I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 XXXX  XXXX XX/XX/22 PayPal XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22
Consumer complaint received 2023-02-13
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (FL)

Midland Mortgage is reporting my account as late, and missed payments for the months of XX/XX/XXXX and XX/XX/XXXX, despite the issue being a problem on their end. We were previously reported as late for several months at the end of last year and disputed it with XXXX in XX/XX/XXXX. Midland then confirmed that we were not late the report was updated to reflect that, but they are continuing to report us as late.
Consumer complaint received 2018-04-13
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 (MO)

I have a series of charges for {$16.00} I have never agreed to this charges with the company that made these charges. I filed a fraud dispute with Bank of America and they said they were going to investigate it, and concluded the investigation claiming that I have received a double refund. From the company involved and from Bank of America and this was the reason Bank of America were putting the charges back on my card. 

I have never received a return from the company that made these charges on my credit card.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In the month of XXXX, I was late on my Capitol One payment which is normally about {$120.00} per month. However, since I was late they doubled the payment because of the " billing '' cycle had changed. So I made a payment of {$120.00}. When I just went to make my payment, I got an alert on my Capitol One app that I was XXXX months past due. Now they want to double the payment in order to make the account '' current ''. The have now counted me XXXX days late which will report as derogatory on my credit. Not once did anyone reach out to me regarding the payment amounts or anything being insufficient. I have no issues coming up with the amounts that I actually owe.
Consumer complaint received 2023-02-13
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. (GA)

Equifax is continuing to report inaccurate unauthorized information on my consumer report and is in VIOLATION of Credit Reporting Act Section 1681b ( c ). This my second notice first once was XX/XX/23 Also a copy of my identity theft report