davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX I uploaded documents referring to my dispute. It never went under investigation. I called in XX/XX/XXXX and spoke to a representative and they couldn't tell me the reason why it wasn't under investigation. They claim they did a proper investigation and what i disputed never should they did one. So how did you do an investigation? I would like supporting documents that you did an investigation. I would like a proper investigation done.
Consumer complaint received 2023-07-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Inaccuracies in Consumer Report Dear Capital One Auto, I hope this letter finds you well. I am writing to bring to your attention several inaccuracies present in my consumer report, specifically related to my dealings with Capital One Auto. Attached to this letter as Exhibit COA-111, you will find the evidence supporting my claims. 
It has come to my attention that the consumer report provided by your organization contains information that is not accurate or reflective of my true credit history. These inaccuracies are causing significant challenges for me in securing credit and adversely affecting my financial well-being. 
In light of this situation, I kindly request that Capital One Auto conducts a thorough investigation into the inaccuracies in my consumer report and takes immediate action to rectify them. It is essential that the information provided to consumer reporting agencies accurately represents my creditworthiness and financial standing.

I understand that Capital One Auto has an obligation to ensure the accuracy and reliability of the information it reports to consumer reporting agencies. As such, I expect your organization to promptly correct any inaccurate or misleading information that has been furnished on my behalf.

I kindly request that you provide me with a revised and accurate consumer report that reflects the correct and updated information within the shortest possible timeframe. Additionally, I request that Capital One Auto notify all relevant consumer reporting agencies of the corrections made to my consumer report.

I trust that Capital One Auto will handle this matter with the utmost urgency and ensure that the inaccuracies in my consumer report are rectified in accordance with the Fair Credit Reporting Act ( FCRA ). Prompt resolution of this issue will not only protect my rights as a consumer but also contribute to the fair assessment of my creditworthiness.

Thank you for your attention to this matter. I look forward to receiving a written response within 30 days acknowledging the receipt of this letter and providing a timeline for the resolution of the inaccuracies in my consumer report. 
Yours sincerely, XXXX XXXX
Consumer complaint received 2022-09-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CT)

4 weeks ago I changed phones and downloaded the chime app to my new phone I logged into my account and noticed I could see any of my information so upon further instructions I called the number they provided for help they closed my account with money in my account I emailed their support staff and sent them many documents some they didnt even ask for and the emails have gone back and forth for 4 weeks now every day they ask for something and I provide it and still my account is closed I dont know what else to do about this
Consumer complaint received 2022-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

I XXXX XXXX have contacted all credit bureaus disputing debt as this is not my debt and should be deleted from my credit reports. The company Vance and Huffman ( debt buyer ) is now illegally in an attempt to collect the debt by re-aging the debt reporting to the credit bureaus. This is not my debt ; this debt is fraudulent. 

XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX
Consumer complaint received 2022-09-20
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. 570-580. I  have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then 570-580 since I have had credit and I am in my 50 's
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I sent QWR to Carrington mortage. I requested the owner of the note and all assingments. To answer the question why in XXXX/XXXX/16 besed on Carrington letter some one would of purchase the Mortage that was over five years knowing that the statute of limitation in florida is five years.THe QWR askes for backup of the escrows for insurance and taxes and provide no cancelled checks or reson for having escrow. The escrow are wrong. XXXX in partucular is for force place insurance of XXXX form the same insuarnce I had insurance with XXXX. My insurace was {$3400.00} and the price of the foce place insurance was XXXX. This is fraud. Why would a bank spend more money on insurance when thay have the old policies with ther renews to renew which are less expensive than force place insurance. The mortgage companies are in business to make a profit. thus spending less makes more money. It is aganst there charter to spend more on insurance and make less money.The amounts onwing are incorrect. No back up in provided. The Note holder has been escrowing {$120.00} a month for no reson for over 5 years. The interest which is variable and change each years is wrong. There is not XXXX consisting document. Please have the Note holder provide the documentaion of ownerership along with the copy the the check he purchese the mortage. Someone came by my house taking picture for potential buyers of my mortgage. Why was I not allowed to purchese my mortgage.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

A check was deposited on XX/XX/23. Capital One originally stated the deposit would be available XX/XX/23 due to the amount of {$2500.00}. I got an email stating that was delayed until XX/XX/23 due to the amount of the check and the fact that it was the first one. I called the company on XX/XX/23 and told them I need the check cancelled if the funds wont be available. They refused and said theres nothing they can do.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (VA)

To Whom it may concern, Since XXXX, XXXX 2023 I have been attempting to dispute some negative, inaccurate remarks on my credit file. 
In doing so I have adhered to all requirements that are required to open a dispute with XXXX. 
I have mailed this company dispute letters including three forms of ID verification also including the required address verification and yet this company has illegally refused to open investigations. I have attached the dispute letters that I have mailed to them, along with each form of ID, and I also have attached the bogus unlawful stall letter that this company has repeatedly sent to me twice with no valid merit in doing so as I have complied with all verification requirements. 

Even the credit repair company who drafted up my dispute letters have mailed this company " along with dispute letters '', a Credit Dispute Authorization Letter in which plainly identifies the company and clearly has my signature and Ip address on it which verifies my authorization for this company to dispute on my behalf. 

There is no legitimate reason for this company to reject my dispute letters. I also have attached screenshots directly from their website that clearly state their Identification requirements, and this proves that I followed correct protocol.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

My name is XXXX XXXX. I have tried for several months now to get Equifax to unfreeze my credit report. Equifax has yet to do so. Several companies are trying to report good accounts to Equifax but Equifax isn't allowing the information to be reported. I sent a copy of my drivers license and social security card and they asked for more information so I also sent the same documents multiple times along with a utility bill to verify my current address. Equifax will not even update my file and everytime i file a complaint all I get is the boilerplate response that my complaint is under investigation. Will someone PLEASE do something about what Equifax is doing. This is beyond ridiculous!!!!!!
Consumer complaint received 2023-03-31
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. (FL)

This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. 
XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$20000.00}
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (AL)

I sent a letter to XXXX XXXX on XX/XX/2020 Certified Mail # XXXX XXXX XXXX XXXX XXXX requesting them to supply a contract to validate the account or remove the account from my credit report as of currently i still haven't recieved a responses. 

In accodance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 ( A ) States : I have the right to Privacy 15 U.S.C 1681 Section 604 ( A ) Section 2 States : A Consumer reporting agency can not furnish a account without my written consent 15 U.S.C 1692 Section 805 ( A ) States : a debt collector may not communicate eith consumer in connection with the collection of any debt at any unusual time or place or a placr known or which shoulf be known tobe inconvient to the consumer
Consumer complaint received 2022-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (TX)

Back in XX/XX/XXXX I applied for a $ XXXX installment loan through Synchrony Bank to pay for a medical procedure. They were offering XXXX  months no interest financing as a special offer. When I was approved for this special offer I added my payment information and setup my payment which I thought was setup to pay off the loan over the XXXX  month special offer. There was no other payment amount provided to me at that time except to pay off the full balance or manually enter an amount in. My assumption was that this loan was paid off in full as of XX/XX/XXXX given that I have never missed a payment and everything was setup to be paid off. In reality, the payment option they provided doesn't fully pay off the entire balance of the loan so in XX/XX/XXXX I still had around $ XXXX in balance outstanding. My promotional offer expired and they added {$5000.00} in back interest at XXXX  % interest from the previous XXXX months to my balance. My total balance is now back right where it started and I owe just shy of $ XXXX in outstanding balance with the added interest. I called to talk through this with them and explain what happened but they were unwilling to help in anyway and said that they had sent communication this was happening back in XXXX. I went back to the email they sent and it never mentions that they were going to add {$5000.00} in interest at that time to my balance. I would have just paid off the remaining $ XXXX in outstanding balance and been done with it. The email they sent was just a standard " here is your monthly payment amount '' email. You have to go into the statement and look at the very bottom of the XXXX page below all the main financial info to find out that they are going to add all this interest. This to me just doesn't seem right and I think I should be given the opportunity to pay off the balance of the loan minus the extreme interest that was added without my knowledge.
Consumer complaint received 2022-08-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank You.
Consumer complaint received 2022-12-21
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. (NC)

Sent letters in XXXX, XXXX nd called in XXXX and called all three agencies last evening XX/XX/XXXX about an account from XXXX XXXX. XXXX XXXX has been of no help and I have excellent credit but the inaccurate reporting of this account is detrimental to me. I have asked them to fix and investigate and they either ignored or moved the date of late payment which didn't happen to date of contact. 

XXXX says XX/XX/XXXX opened closed paid as agreed but updated last on XX/XX/XXXX XXXX says XX/XX/XXXX opened closed paid as agreed but updated last XX/XX/XXXX Transunion says XX/XX/XXXX opened closed and paid as agreed but last updated XX/XX/XXXX They are ignoring my certified letters to fix this error and most recent inquiry should be as of XXXX. This is only info I have on this account XXXX XXXX XXXX. They are not investigating my complaints and not updating me per US Code 1681. This is hurting my score even though still high and no one is helping or responding
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ID)

I 'm trying to buy a home in the area I just moved to 6 months ago with my family. My credit score is excellent for XXXX, XXXX and equifax. I always keep my credit reports locked. I am able to unlock both my XXXX and XXXX report, however, I am not able to unlock my equifax credit report. This is blocking me from getting a new home loan. I 've called number after number from equifax, however, nobody will respond. 

XXXX XXXX XXXX XXXX This is effectively locking me out of the credit market and not allowing me to buy a home because all conventional loans require a 3 credit report review. Help! 

Equifax needs to be able to unlock my credit report so I can get a loan.
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (PA)

It was reported on my credit report on XX/XX/XXXX I currently owe money to CREDIT MANAGEMENT LP which was in collection from an alleged unpaid balance owed to XXXX cable company that is incorrect. This collection reported, was resolved with the original company XXXX regarding account number XXXX XXXX XXXX XXXX. 
Attached you will find the last billing correspondence that I received from the original debt manager XXXX, which was sent to my new address at XXXX XXXX XXXX XXXX XXXX XXXX, PA dated XX/XX/XXXX. This statement was also previously available to view electronically on my XXXX account as of XX/XX/XXXX. This document shows that I no longer owe the amount alleged. 
On XX/XX/XXXX, I had extensive phone correspondence with both XXXX and Credit Management LP to discuss this matter. I had at no time up to that date, received any correspondence from either company via mail or otherwise informing me of a delinquency on the account. 
I was informed on XX/XX/XXXX that I had owed the {$130.00} on this account. At that time I reviewed the documents I had received ( attached ) and discussed with the individual I was speaking with that this was not the information that I had. 
The individual on the other line, which I was told at that time was being recorded, verbally confirmed that the account reflected {$0.00} owed but informed me that the bill had been altered by them, which is why it reflected this and that this alleged dollar amount was still owed. At that time I informed them that I had a billing statement dated XX/XX/XXXX sent to my current address reflecting {$0.00} owed, and that I had never received any correspondence reflecting otherwise. I received no further correspondence after XX/XX/XXXX from either company regarding a delinquency or collection until a missed phone call on XX/XX/XXXX. 
As of today XX/XX/XXXX, this last billing statement which reflects no balance owed as of XX/XX/XXXX has been removed from XXXX billing statements on line and now states that I have a balance owed ( attached )
Consumer complaint received 2016-01-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

After XXXX XXXX XXXX made Nationstar Mortgage the new " servicer '', we have not been able to pay down on the principal ( which is stated in our mortgage contract ). They have purposely withheld information regarding accounts and mislead information regarding accounts. Nationstar will not allow us to see our balanced owed on principal or escrow account.