davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Hey! I was advised by an attorney that I can file a complaint about your negligence. Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, XXXX and Transunion were all sent disputes on XX/XX/2021. I sent a dispute of items that were alleged to belong to me. The 30-days that are required to investigate this matter under FCRA 611 ( 15 U.S.C. 1681I ) have expired. However, this inaccurate information is still on my credit report. The alleged items could be linked to the XXXX  data breach are. I would like this information removed immediately per the FCRA or I will instruct my attorney to file litigation because I don't have time for the back and forth.
Consumer complaint received 2023-03-14
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. (PA)

I sent a dispute letter to experian to change several inaccurate reportings. 

Instead of correcting these they made my account worse and even more inaccurately reported and they took the liberty to dispute open accounts that were not into included on my letter to dispute. They now resulted to changing an open credit card balance to an untrue balance amount and Im not sure how they got this data because it was not given to them from the original creditor now affecting my utilization causing my score to drop. Their mixing charged off accounts with my open accounts not paying close enough attention to my letter which is illegal and now giving me the fair credit reporting I legally deserve. 
I never disputed my open XXXX  XXXX account ending in XXXX and that balance is not my statement closing balance and Im not sure where it came from. They changed the balance on a XXXX XXXX Charge off I never even made a payment on. I want these items now REMOVED from my report or legal action needs taken place as this has now hurt my chances or utilizing my credit causing my score my drop for Experian and I am a consumer now hindered because they are not following the law.
Consumer complaint received 2023-01-22
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. (CA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was completed and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. 
The consumer reporting agencies which is XXXX, Experian, XXXX, did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still have not received anything back from each burea.
Consumer complaint received 2021-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked the CRA ( Transunion ) to initiate an investigation that would result in complete and accurate reporting for this account XXXX XXXX XXXX # XXXX XXXX. The dispute and re-dispute process under FCRA gives me these rights. I requested that Transunion look into this and provide the update or remove the account as allowed by law. 

In previous complaints to this entity, I also pointed out the violation/s with the CRA 's dispute process ( reporting incomplete information as " accurate '' ) and the remedy for this. 

Multiple requests were submitted to Transunion to investigate and respectfully provide complete an accurate information. In every case, they have ignored my request, and instead, verify " incomplete '' information as " accurate. This is a violation. 

This account was opened on XX/XX/XXXX. Transunion is reporting two months of delinquencies XXXX XX/XX/XXXX, XX/XX/XXXX ). I have not received an explanation as to why Transunion is reporting this information for XX/XX/XXXX and XX/XX/XXXX, while completely ignoring any other payment history I am entitled to. 

In their investigation results, excluded are the names of persons contacted to verify this information. I am entitled to this. 

Transunion has repeatedly, during this process deprived me of my rights under FCRA. They have suppressed complete and accurate reporting for this account and have ignored my disputes seeking a reasonable resolution.
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION (VA)

I have received several communications by mail from Navy Federal Credit Union, none of which state that they are attempting to collect a debt and have used symbols on envelopes and its contents, which is a violation of 15 USC 1692f ( 8 ). Navy Federal Credit Union is also in violation of 15 USC 1692d ( 1 ), they have reported information to the consumer bureaus that has done harm to my reputation. On XX/XX/2021 I mailed Navy Federal Credit Union an affidavit of truth, a cease and desist, an invoice, and exhibits.
Consumer complaint received 2021-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I submitted a request to rushmore loan management for forbearance in XXXX and it was only granted for 3 months, and when I requested an extension I was informed that it would not be granted until I submitted a modification application. I submitted a loan modification application request in XX/XX/XXXX and I continued to be reported late on my mortgage even though a forbearance was granted. 

I requested again that the Servicer review my account to provide a loan modification option, specifically to allow the past due payments to be deferred with XXXX interest on the back of my loan. The representative hung up in my face twice today stating that I already have a forbearance which are the results of my modification application.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (DC)

XXXX  and Navy Federal Credit has been reporting inaccurate information and have not deleted it. This information is not accurate and it needs to be deleted. After being notified about the errors.

The errors are : 1.Navy Federal Credit Union account number on XXXX  Corp credit file is inaccurate it does not begin with 5. 
2. XXXX Rating key section shows Im 90 days late on XX/XX/XXXX. This is inaccurate because account was closed on XX/XX/XXXX. 
3. Account type is inaccurate it shouldnt be revolving on a closed account. Account closed on XX/XX/XXXX. 
4.XXXX  XXXX has been notified on XX/XX/XXXX about the errors listed above. 
XXXX  has not done reasonable investigation after literally seeing these errors. 
A copy of XX/XX/XXXX credit report from XXXX  still showing errors I'm mentioned above. I will enclosed this document to show both of them being very disrespectful in regards to this matter.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (MA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-07-06
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. (TN)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 I sent out disputes to the bureaus pertaining to several accounts and 2 specific accounts that are just being updated but no changes. The bureaus are just updating the account as investigated but not providing any documentation pertaining to their investigation or providing their method of verification. XXXX XXXX and XXXX XXXX show different last active dates and XXXX XXXX have been re-aged by 5 years so if your are verifying these accounts then how in the XXXX are you and clear violation of the FCRA with all these inaccuracies and errors and not removing these accounts from my credit profile. Please remove these erroneous accounts from my credit profile immediately! Attached are the disputes and proof of my identity for authorization to investigate this matter.
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I, XXXX XXXX, am a natural person and my place of abode is my location information as that term is defined by 15 USC 1692a ( 7 ).

I am a consumer as that term is defined by the FDCPA and RFDCPA.

LVNV Funding is a debt collector as that term is defined by 15 USC 1692a ( 6 ). LVNV Funding is also a debt buyer with a laundry list of complaints against them on the CFPB, FTC, and XXXX. 

I understand my rights as a consumer and know that Congress has enacted federal laws to protect me as a consumer. I have created this affidavit to put you on notice about the abusive debt collection practices of LVNV Funding pursuant to 15 USC 1692a ( e ) and make you aware that they have invaded my individual privacy under 15 USC 1692a.

Within the last year, LVNV Funding and its associates/agents have attempted to collect an alleged consumer debt from me. This alleged debt is beyond the statute of limitations in the State of California. 

On multiple of occasions, I have disputed this alleged debt with the credit reporting agencies and directly with LVNV Funding. Each time, LVNV Funding has failed to properly update my consumer report to reflect this dispute which is a violation on the FCRA under 15 USC 1681.

Additionally, by LVNV Funding reporting this alleged debt on my consumer report without validation, it is a violation of 15 USC 1692g. When LVNV Funding reported this account to the CRA 's and stated that I owed a debt, they violated 15 USC 1692b ( 2 ).

LVNV Funding is solely reporting this account as an attempt to coerce payment, which is also a violation of 15 USC 1692d ( 4 ).

Lastly, under the FCRA, this consumer credit transaction is supposed to be excluded pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

LVNV Funding violated 15 USC 1692f of the FDCPA by using unfair or unconscionable means in connection with the collection of an alleged debt, when LVNV Funding and its agents engaged in the foregoing conduct.
Consumer complaint received 2021-08-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (GA)

I've tired for a few months to make payments online since COVID-19 pandemic. Their website reflects no fees to make payment online ; however, when you try to make a payment on line the system has been in error code once you enter you username. You can not make a payment on line so you are forced to make a payment by phone which cost {$15.00}. There should be no reason why a company this large can not have their website up and running properly for over 3 months.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had a lease from XXXX starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to XXXX and they verify that my account is payed off and close. But the credit report company got different info.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

Ive contacted Hyundai Motor Finance regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, XXXX, & XXXX ) stating theres a 30-days delinquency reporting for Hyundai Motor Finance. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account.

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19. 

The CARES Act places special requirements on companies such as Hyundai Motor Finance, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

As stated and confirmed in the attached emails from GM Financial, five of my scheduled monthly lease payments were deferred and approved as follow : - XX/XX/2020 & XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 - XX/XX/2020 deferred to XX/XX/2020 It is to my total surprise that I found out that only 3 of those payments were in fact deferred, even though we have written notices confirming deferments. 2 of those approved deferment ended being reported as late payments. I of course made the payments the second I realized my account was reported as late. GM Financial recognized their mistake but refuses to correct the error with the credit bureaus.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

It has come to my attention that CHASE CARD/JPMCB CARD, creditor and debt collector as defined according to 15 USC 1602 a ( g ) and 15 USC 1692a ( 6 ), has violated my rights as a consumer under Title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy and by providing abusive and unfair debt collection practices. On XX/XX/2016, I entered into a consumer credit transaction with Chase Card/ Jpmc Card. After some years, I began to find out that I had, in fact, been violated by this company, and Chase Card/JPMC Card had infringed upon my consumer rights. After learning about the horrible truth on XXXX, I issued a cease and desist letter to Chase Card/ Jpmc Card for the discovered illegal acts being taken against me, the natural person, and the original creditor. Inside this notice, I informed Chase Card/ JPMC Card. This notice serves as documentation that I am disputing the validity of this debt according to 15 USC 1692c ( c ) and that this consumer credit transaction with CHASE CARD/ JPMCB CARD. This resulted in this account : XXXX, which is under an open-end credit plan, was used unauthorized by CHASE CARD/ JPMCB CARD, which resulted in identity theft according to 15 USC 1602p and 18 USC 1028a ( 5 ). Along with exhibits, documentation, Identification, and laws showing how and when I was violated. Within my cease and desist, I have clearly informed Chase/Jpmc of the consequences of the failure to comply with my cease and desist demands that will result in legal judgment being brought on Chase/Jpmc. Accordingly, and informing Chase/Jpmc that their actions may be held criminally liable according to 15 USC 1611 and civilly liable according to 15 USC 1640 and 15 USC 1692k. Chase Card/ Jpmc Card did not clearly and inconspicuously disclose my right to rescind to me at the time of entering this consumer credit transaction. All exhibits and documentation that I sent to Chase/Jpmc have been sent via certified mail along with this complaint to the CFPB. And litigation will follow if ALL my demands are not met.
Consumer complaint received 2021-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AZ)

on XX/XX/2021 i checked my credit report I noticed i had a collection account from MIDLAND FUNDING LLC i called midland funding and when i spoke with someone i was told the debt was XXXX XXXX. 
XXXX is my mother, and i do not assume responsibility for any of her debt. 
XXXX XXXX has filed bankrupcy. 

The individual i talked too was XXXX XXXX from XXXX. 

I did not sign any contracts for this debt.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing a formal complaint against Capital One regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ), to opt-out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified Capital One that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to their institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S.C. 6802, and I have retained documentation of my communication with the institution. Despite my specific opt-out request, and my clear assertion of my rights under the GLBA, I have reason to believe that Capital One has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the consequences of this unauthorized sharing, including the potential for identity theft, fraud, and other financial harm. 

I kindly request, the Consumer Financial Protection Bureau investigate this matter thoroughly and take the appropriate action to ensure that Capital One complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation, and any actions taken to address the violations committed by Capital One. 

Please feel free to contact me directly at : XXXX or XXXX if you require in any other information or documentation to proceed with the investigation. 

I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TX)

My complaint is about Synchrony Bank closing my Paypal Credit card ridiculously to expropriate 2 % cash rewards. 
During the card statement ( XXXX ), I spent {$20000.00} through 4 transactions and would earn {$410.00} reward after the period ended. But Synchrony bank closed my credit card on XX/XX/XXXX when balance is XXXX. 
Their explanation was " I'm a high risk user ''. But, ( 1 ) my credit score is over 750 without any overdue issue and ( 2 ) I paid off balance at the same day when I swipe above 4 transitions.

( 3 ) the balance is keep XXXX. 
It's ridiculous how risky I am for Synchrony bank! 
Then I asked to reinstate my credit card. but I got their final declining decision later. 
However, in that week, I got a pre-approval letter from Synchrony Bank to apply for new credit card. This offer prove I'm qualified for their credit card without high risk. 
It's obvous that they just find a excuse to closed my last credit card to reject to pay my hihgh reward of {$410.00}.