davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-24
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. (CA)

To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately! 
Below is a summary of the data in which I am challenging :
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

BEWARE!!! I purchased a car from XXXX XXXX XXXX XXXX ( XXXX IL ) in XXXX to start building my credit. But it has done everything but build my credit. Initially when I got the car they was reporting to 2 major credit bureaus now they only report to transunion that was the beginning of the nightmare. Fast fwd to XXXX I found that the company had NOT reported my ON TIME payments to transunion. When I reached out to them they got very upset and didnt take my concerns seriously. I disputed the inaccurate information with transunion it was updated after 6 months of going back and forth having to prove my self. Fast fwd to Mid XXXX the pandemic hit I was effected by it and my job had dropped me down to part time/ the company humiliated me by making me submit that information just to reduce my car payment from {$230.00} bi-Wkly to {$130.00} a few months ago I was completely let go and couldnt go back to work do to personal injuries on top of Covid I still remained paying the agreement payment plan we made which was XXXX but when I noticed that hadnt been reporting to the credit bureau again for the SECOND time I reached out to the company they got very upset again they ignored numerous emails/calls. I have all my paper trial. When I disputed it with transunion and the XXXX they got furious and updated my credit report saying Im delinquent which wasnt the agreement they was supposedly helping customers effected by Covid which I still currently am. Not only is it cruel to do this to a customer whos trying to stay honest I was jus trying to get my credit report updated because I take my credit serious I pay my bills on time. Its funny the company responded the same day when I reached out to the XXXX but never responded to personal emails or phone calls? And now all of a sudden because Im reporting your negligence they want to say Im behind on my note and its now effecting my credit score and worthiness which is negatively effecting my family I have XXXX small children and trying to make a living. I would like them to completely remove the account from my credit report. If I was behind on payment what company lets you owe over XXXX in back pay!? Why wasnt the alleged past due balance reported last year? Its clear your company is making false allegations because a customer does their research and found out youve been taking payments on a car thats wrote off and not reporting to the credit agency accurately! I still havent received a phone call from them! Horrible customer service. Zero benefits and on top of it they charged 3x the amount they should be allowed to! Their loan sharks taking advantage of tax paying citizens! I wouldnt recommend this car if you was XXXX standing in a blizzard
Consumer complaint received 2021-01-05
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 (FL)

On XX/XX/2020 I called in to Capital One to ask about having the {$95.00} annual fee removed from my account. The agent said that I have an " upgrade '' offer with will waive the annual fee and change my Rewards program to 1.25 miles per dollar from the 2 miles per dollar. I said yes I would like to proceed. 

In my conversation with this agent they mentioned that the annual fee charged on XX/XX/XXXX would be pro-rated and the this amount would be credit back to my account. 

On XX/XX/2020 I called into Capital One to inquire about the pro-rated annual fee credit. This agent tells me that this is not the case and I would receive no refund. I ask to be transferred to a manager. 

The manager reviews the account and puts me on hold. She comes back and says that she listened to the conversation I had with the agent on XX/XX/XXXX and that I agreed to the " terms and conditions. '' I disputed that. 

Why would I downgrade a card to a lesser rewards program and do so without a refund of the annual fee I was just billed less than a month earlier? 

I am requesting the crediting of the pro-rated annual fee. This is very deceptive on Capital One 's part.
Consumer complaint received 2024-02-27
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : US DEPT ED XXXX  Balance : {$990.00} US DEPT ED XXXXXXXX  Balance : {$1000.00} US DEPT ED XXXX Balance : {$680.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00}
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Google Compare Credit Cards Inc. (AZ)

On different email accounts Google pay has charged the account for services that I inquired about but did not necessarily want so I'm asking that you please look into that because I don't think that it's right I don't think that it's fair I don't think that it should go that way I've consulted with them they had agreed on reimbursements not necessarily went through so I'm bringing it to your attention. 
Here are my email addresses that have been victim to wrongful charging. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX Arizona XXXX current mailing address. 
My current email address XXXX Look forward to hearing from you regarding this
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (TX)

I have received a debt on my credit from a company Lewis Mcd/XXXX XXXX XXXX that I have no knowledge of. The dates are out of a range to my knowledge and the amount owed is not an amount I have ever seen. I have never heard of this company before it showed up on my credit report and it is not being removed from my credit history. I have researched this company and they are known for creating fraudulent accounts and I would like it removed immediately.
Consumer complaint received 2021-09-17
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. (VA)

my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.
Consumer complaint received 2022-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (HI)

The loan servicer didn't appropriate a timeline for when refunds will be handled, and told me they don't know. And I was giving no updates or tracking info about the refund status. I reached out but no answer.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bought vehicle from used car lot was lemon meaning not a good vehicle should have not been selling it from the beginning because it was on XXXX from previous accident learn this after purchasing vehicle went back to speak with owner owner went to agree with me on reimbursement then went back on his word I brought it to my banking institute 's attention and they have an ongoing dispute leaving my account in a negative balance and life in a bind which I don't think is fair but life itself isn't fair but right is right wrong is wrong Bank of America prepaid card services disputes I used my California EDD Bank of America prepaid card to make purchase of vehicle now it's in disputes hands at Bank of America and they are taking their time leaving my account in a negative balance so any and all funds from my unemployment goes towards negative balance
Consumer complaint received 2022-11-01
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. (PA)

Several inaccurate information on my credit reports. I have sent out letters to all 3 credit agencies pointing out the inaccuracies, theyve vaguely sent back an automated template stating items verified without any explanations on how they verified those items or how their investigation was conducted. Even my personal identification items are still incorrect despite sending in my drivers license which has my correct information. Several accounts are not mine which i sent letters and thry never fixed thd issues.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2021, I made an international cash transfer using XXXX XXXX but through my Navy Federal Credit Union account. The amount was {$3600.00}. 
For some reason that was never disclosed to me, the transaction was canceled by XXXX XXXX. At the time XXXX XXXX told me that I had to wait up to 12 weeks in order to get my money back. 
The 12 weeks elapsed on XX/XX/2021. Several times, I contacted XXXX XXXX and Navy Federal Credit Union in order to get my money back. So far, nobody has been able to tell me where is my money and how to get it back.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2022-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

We fell behind on our mortgage payments because I could not work during covid 19 pandemic. We requested for forbearance and were granted forbearance effective XX/XX/XXXX through end of XX/XX/XXXX. 
I was still not able to go back to work when forbearance ended, then we requested for another 6 months extension and were denied. According to XXXX XXXX, if a homeowner still had difficulty making monthly payments they were entitled to another 6 months forbearance extension, which we were denied. 
After falling further behind on our monthly payments, we requested Shellpoint Mortgage several times to offer a workout that would bring our payments up to date, like : XXXX ) Put the delinquent amount at the end of the loan when we were just few months behind XXXX ) Adding the delinquent amount to regular payment over 5 year period. 
XXXX ) In early XXXX when market interest rate dropped below 3 %, Shellpoint Mortgage turned a deaf ear on our repeated request to reduce our current rate of 4.625 % to make monthly payment more affordable. 

As per letter ( uploaded ) dated XX/XX/XXXX Shellpoint Mortgage claimed we have not applied for any loss mitigation workout : Shellpoint acknowledged completed applications for modification ( letters uploaded ) as of these dates : XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. 

To make things worse, instead of offering any sort of loan modification Shellpoint Mortgage went ahead and foreclosed on our home ( letter uploaded dated XX/XX/XXXX ) Under Federal Law and California home owner bill of right it is illegal to start foreclosure proceedings when loan is under modification. ( Uploaded letter dated XX/XX/XXXX of completed application )
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2021-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concern I The debtor want to agree to settle on three credit cards i owe money fund to i'm willing to do my amend to paid if a agreement is accepted is the total amount of {$9700.00} last payemnt done on this card was XXXX XXXX this debt add up from three credit card from Capital One Bank USA i ask if my request be granted accepted i'm wiliing to the best of my abilty to pay down on a lower arrangement payemnt, please i ask that if so that i recieve an email or phone call so that i could start with a settllement. 

Respectfully Debtor vs Creditor
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Several inaccurate information on my credit reports. I have sent out letters to all 3 credit agencies pointing out the inaccuracies, theyve vaguely sent back an automated template stating items verified without any explanations on how they verified those items or how their investigation was conducted. Even my personal identification items are still incorrect despite sending in my drivers license which has my correct information. Several accounts are not mine which i sent letters and thry never fixed thd issues.
Consumer complaint received 2023-03-06
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. (PA)

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 2021-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

to whom may concern, im writing this complaint to inform you of the violation FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] of all three credit bureaus XXXX, XXXX and XXXX. im trying to start a business and purchase my first home, these inaccurate validation of these accounts has detrimental impact on my credit score. XXXX of XXXX dispute letters was sent out, no less than 30 days the account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX was removed. XXXX of XXXX reinsertion of collections account had to be disputed again and was removed. XXXX of XXXX XXXX XXXX XXXX and southwest credit sys was reinserted again different company. i have received no such notification in validation of these accounts.
Consumer complaint received 2021-01-05
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. (LA)

I was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.