davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I XXXX XXXX am trying to apply for a checking account, but it says I'm in the checks system ( I need to be removed from the checks systems ), so I logged in my XXXX XXXX and seen I have XXXX  closed accounts on my credit report I have no knowledge of. XXXX  capital one accountsXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX. I have no knowledge of none of those accounts. 

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX  capital one accounts, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2017-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (LA)

Homeowner had   XXXX   home security system dates XX/XX/XXXX  for {$2200.00}. Homeowner sold home In   XX/XX/XXXX   and cancelled system. Homeowner asked  XXXX  that new homeowner would like to keep the system and  XXXX  agreed to keep the system in the home and transfer the service to new homeowner.  XXXX  mislead the homeowner that  XXXX  failed to provided required services to new homeowner and is requesting full payment of contract for services not provided and not functioning after home was sold and contract closed by homeowner.   XXXX   is claiming debt owned but no services have been provided to warrant amount owed.
Further,   XXXX   debt collection agency did not provide valid claim to debt within proper notice. Additionally, homeowner provided written notice to debt collection agency to cease communication and debt collection agency continues to communicate with homeowner.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AZ)

I applied for XXXX after making XXXX years of qualifying eligible payments, but on the list of my payment history from XXXX to XXXX, they omitted XXXX payments during XXXX. According to them, I have XXXX payments made toward my XXXX payments to have the remainder of the loan forgiven. I sent them the screenshot of where someone did not include payment history from XX/XX/XXXX to XX/XX/XXXX. I called them twice and sent a letter to them as well as the Dept of Education and nothing done yet. These are payments I made in those months that would automatically grant me loan forgiveness but, for some reason, someone decided to omit the payments. I have been addressing this with them for months now and they still want to collect a monthly payment from me.
Consumer complaint received 2023-01-25
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. (TX)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-02
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX 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 Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I submitted a request for validation and dispute to XXXX XXXX XXXX a collection agency via certified US mail that XXXX didnt respond to. I also submitted a dispute to all 3 credit reporting agencies requesting the validity of the account on my credit report. XXXX   and XXXX immediately deleted the account as it could not be verified, yet Equifax continues to report this inaccurate information, stating that the account information was verifiable.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NC)

I previously disputed an account on my credit report with XXXX for XXXX XXXX XXXX. This is a paid collection, however XXXX XXXX XXXX is not a Licensed collection agency in the State of North Carolina. Therefore its against regulations for XXXX XXXX XXXX to continue to report negative information on my reports. When I attempted to disputed this on my credit report XX/XX/XXXX with XXXX, they denied my request on XX/XX/XXXX leaving the paid collection on my reports.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

RE : XXXX XXXX XXXX, University XXXX, XXXX Account Name CREDIT COLLECTION SVCS I Potentially Negative Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Original Balance {$150.00} Highest Balance {$0.00} Status Collection account. {$150.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$150.00} Balance Updated XX/XX/XXXX Account Name CREDIT COLLECTION SVCS I Potentially Negative Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Original Balance {$380.00} Highest Balance {$0.00} Status Collection account. {$860.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$860.00} Balance Updated XX/XX/XXXX These charges should have been sent to XXXX XXXX XXXX. I sent the XXXX XXXX information to XXXX but they decided to put these charges against me anyway. 

House Bill 388 states that I should not have been involved in this dispute. 

I need for these debt charges to be removed from my name and that it is stated that I have no responsibility regarding this issue.
Consumer complaint received 2021-04-26
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 disputed to have a three bankruptcies removed from my credit report. The third party verifier stated in writing that they could not verify the information and removed it from their files. The credit reporting agencies continue to state verify as accurate even after I sent them a copy of the letter.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I submitted a application for PSLF in XXXX and when I followed up on the application and I was advised to resubmit the application, which I did. After 6 months my application had not been processed. I made several attempts to call Moehla and after waiting on hold over an hour the call was disconnected 2x. In XXXX I was advised to submit my W2 forms as my employer had not been verified I submitted this information around XX/XX/XXXX upon following up on the application in on XXXX XXXX I was advised that the application was not sent to the right department and needed to be resubmitted ( XXXX XXXX XXXXXXXX ) in order for my W2 's to be linked to the PSLF application. I called Moehla on XX/XX/XXXX and they were not able to locate the application submitted on XX/XX/XXXX nor the original application and I was advised that the actions that took place on XX/XX/XXXX needed to be submitted again ( XXXX XXXX XXXX & XXXX ). 

I have been told by 3 representatives that I have over 120 qualified payments, but my application has been misrouted, misplaced, and not processed. I have been trying to resolve this issue for over 1.5 years now and still no ETA on the issue. 

On XX/XX/XXXX upon talking to someone and being on the call for 1 hour and 35 minutes not only was the representative rude, but when I asked to escalate the call and talk to a supervisor I was disconnected. The representative told me that my request was denied, but I see documentation in the portal that states the application is still under review very conflicting information. 

My account number is XXXX.
Consumer complaint received 2018-01-02
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: EQUIFAX, INC. (LA)

I 've been trying to submit complaints to XXXX for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this account.
Consumer complaint received 2024-03-28
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. (NC)

I have been fighting back and forth the the credit reporting agencies as well as corportaions who have failed to provide me with any original wet ink signature contract. AFFIANT, ME, XXXX ; XXXX XXXX XXXX, have never witnessed nor seen any contract between my self and these CORPORATIONS. I have requested this information and they have failed to provide me with this information within ( 30 ) business days which is violation of federal law. Each time I have sent correspondance to each of these corporation, including the credit reporting agencies ( XXXX, XXXX, equifax ), all they have provided me with is a letter which state the information has been verified which is not valid or lawful. AN ACCOUNT CAN NOT report to a consumers credit report without the proper verification, if not, any enity/person may fraudulently claim that there is a debt with no verifiable proof under FCRA LAW. I hereby rescind, revoke, null and void any fraudulent or invisible contract, where these corporations are claiming to be me or represent me in anyway. I have contacted the attorney general regarding this matter who will assist me in the manner that is needed in order to resolve this matter. I am prepared to begin a litigation process shall these items not be PERMANENLTY DELETED from my consumer file with 4 business days. I have sent out correspondance requesting this information and each corportation and agency have failed to provide me the poroper supporting documenation. I have attached a copy of my FTC REPORT filed with the federal trade comission as well as the supporting documentation that these corporations have ignored and failed to handle in the proper manner.
Consumer complaint received 2023-02-25
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: NAVY FEDERAL CREDIT UNION (GA)

I was trying to purchase a home for my family and I and I realized that their were items on my credit report that were damaging. According to 15 U.S.C 1681 law there should not be any damages on my credit report as this is defamation to my character.
Consumer complaint received 2023-02-25
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. (OH)

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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX 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 2024-03-28
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. (MS)

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. 

XXXX XXXX XXXX : Account Number XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : Account Number XXXX, XX/XX/XXXX : Account NumberXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-03-28
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. (NJ)

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 2023-05-22
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 (OH)

I have contacted Capital One because there is a charged off account of my credit report the listed account number is XXXX XXXX XXXX despite I have sent numerous times my ID theft affidavit Capital One has refused to remove this fraudulent account off my credit report. It is not mine I have not benefited from nor did I authorize this account to be opened in my name. I have asked for their documentation and they have refused to provide any other information other than canned responses saying there is nothing they can do. I have attached my ID theft affidavit once again.
Consumer complaint received 2018-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CO)

My loan is with XXXX XXXX, XXXX XXXX XXXX. Please note I had a loan with this company before and had no issues, but have had nothing but run around and dishonest interactions. 

I have had trouble in the past with them not applying my payment to the account. 
When I first got this loan - they applied my payments to my closed account and told me they would fix it, which they never did, they just sent me checks and stated I did not pay. 

Just happened again, they noted my last payment was received in XX/XX/XXXX, when I have the check from my bank clearly reflecting that I paid in XXXX, they cashed the check. MyXX/XX/XXXX statement does not reflect a payment received by them XX/XX/XXXX and which posted to my account on XX/XX/XXXX.

I called them today twice, XX/XX/XXXX. First time they hung up on me and the second time an employee named XXXX or XXXX, informed me that I must pay XXXX dollars to stay current. They are not honest and not helpful. He says there is no record of my payment dated XXXX. I immediately called XXXX bank and they verified the payment was received and cashed. 

I did send email on XX/XX/XXXX and received no response on XX/XX/XXXX, so I called and only got " we never received it '' and asked why I missed a payment. Also note my XXXX payment was sent by XXXX on XX/XX/XXXX, and they have not cashed that check yet. 

Again, this has happened before and I do not want them to attempt to cancel my GAP insurance for late payment because I have never made a late payment. Also must assure my credit report is accurate, as I can see them reporting me as paying late when in fact I am a month ahead always in payments. Please help me and assure they correct the loan payment calculation as well.
Consumer complaint received 2023-05-07
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. (SC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure that no proof of the alleged! debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2018-01-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I called Nationstar today to follow-up with the modification application I applied for XXXX XXXX, XXXX. In speaking with the representative, I learned that my property had a sale date for today, XXXX XXXX, XXXX. This was surprising news to me because I never received a notice in the mail or by certified mail of this action. The representative emailed me a supposed notice from XXXX XXXX, XXXX about the property 's sale ; however, the alleged notice of sale she emailed to me did not have my mailing address or my property address on it ; nor did it have a sale date. Besides, when I spoke to the Nationstar representative after my modification denial letter on XXXX XXXX, XXXX he told me my mortgage account would be on hold 30 days after this denial letter ; and then another 30 days for the published public notice. 

I need clarity on how my property was up for sale without me being notified and without proper procedures.