davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX and XXXX I was in poor health with medical issues and was not working. As a result, I had a difficult time paying off my credit card balance on my Bank of America credit card. The account went to collections and it was listed as a charge off in XX/XX/XXXX. In XX/XX/XXXX, I paid off the debt of {$900.00} in full and requested that Bank of America remove this debt from my record after explaining my situation of hardship. They did not do so after being a loyal customer since XXXX. Then in XXXX and XXXX of XXXX I noticed a discrepancy on my credit report, where this account was again reporting on my credit report as a charge off when it was already paid back and closed.
Consumer complaint received 2021-03-14
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: EQUIFAX, INC. (MA)

Look at the discrepancies on the way this XXXX account is reporting below. Not only is missing information. ITs reporting incomplete, misleading, and with multiple inaccuracies. For the last 4-5 months, I been trying to reach out to them directly to resolve this issue, and they failed to report who this account was transferred when it was charged off. Now its reporting incorrect and wrong balances across all the 3 credit reporting agencies, and how come its reporting different payment statuses on payment history below after the account was closed. Its my understanding that it shouldnt be reported as such. Isnt that a violation? Plus, Ive already went ahead and paid-off this account and they guaranteed that they will notify XXXX to delete this account from my credit report. Its reporting with so many inaccuracies and errors. DELETE NOW, and Im not liable. DELETE DELETE DELETE! SEE ATTACHMENTSSSSS
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

On or around XX/XX/2021 Experian, XXXX, and XXXX took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted Experian, XXXX, and XXXX, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( XXXX ) ''.
Consumer complaint received 2021-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (MO)

I received a collection notice from Spring Oaks Capital LLC on XX/XX/2021 for {$3000.00}, that doesn't belongs to me and i replied with letter asking " debt verification '' documents on XX/XX/2021, ( delivered XX/XX/2021 ) but they never responded., they reported to XXXX  as a Collection. This is ID theft, i don't have any knowledge of this account.
Consumer complaint received 2021-03-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (FL)

Three weeks prior to the lease end, I went for the pre-inspection and was told the front tire 's tread was a little worn, but they should be fine. Wednesday, I went after 186 miles of 3 weeks of driving and they said the tires were bad. Now, I use to work as a mechanic when I was a teenager, on average you lose1/32 per 5000 miles of careful driving but let us say is 1500 miles. There is no way in three weeks the tires went bad on 186 miles. On XX/XX/XXXX, I went back to turn in the second set of keys and requested for the car so I could check the tires with a tire tread tool. It was something, they came up with every excuse in the book so I would not see the car, we do not know if the car is in the lot, it could be in the CPO department or sent to the auction. I guess they are not aware of paper trails or electronic tracking, a dealer does not know where a car is, wow. They looked once and came back with no luck, sorry, So I pressed them again if the car is not on the lot, I wanted to know which auction house it was sent, so I could go and view the car. Then after 20 minutes miraculously the car appeared, like magic. One interesting thing to note the dealers tool is a dial gauge rather than a depth gauge. Using this tool allows for subjective outcomes because is not as accurate. I checked both tires and here is what I found, first they were screwing me out of money, the only tread that was 3/32, below their standards, was the inner one the other three treads were 4/32, or 5/32. The best part is when that I signed the lease, I noticed that the tires that came with the car were regular tires, not run-flats. So, I asked what the issue with the tires was. I was told by XXXX XXXX that BMW no longer comes with run-flats My XXXX all I needed to do was look to confirm at the cars inside the showroom. The audacity and my stupidity of course because you must be with all senses on. At that point, you have been haggling for hours and that is how they wear you down. I hate to call XXXX out because he is an affable guy but know he is costing me money, so I have no choice. At this point, I have to pay XXXX dollars for both tires.
Consumer complaint received 2020-03-26
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. (TX)

XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive XXXX, equifax, XXXX continue to report neg. items not belonging to me. have contacted crediter. no response. XXXX   stated they will not dispute said items again. XXXX states by law they do not have to dispute over 1 time. XXXX, equifax have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. 2017 equifax breech. info provided to me that my info was lost.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

I am in receipt of your companys letter informing me youre handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( LOCKHART, MORRIS & MONT } and me which makes you a person entitled to enforce a commercial claim against me. This letter is NOT a request for verification or validation.

This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( XXXX XXXX ) AND ( LOCKHART, MORRIS & MONT ), are NOT entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy. 
You have 30 days to provide strict proof of contract. In the event you cant provide strict proof of contract, YOU MUST CEASE AND DESIST ANY AND ALL COLLECTION EFFORTS AND IMMEDIATLEY REMOVE ANY DEROGATORY INFORMATION REPORTED TO THE CONSUMER REPORTING AGENCIES. If you transfer this account to any attorney without providing proof of contract, They will be immediately reported to the state bar association and professional liability fund for code of ethics violations.
Consumer complaint received 2021-03-14
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. (AL)

I've sent in disputes on XX/XX/2021 and XX/XX/2021 to XXXX and XXXX regarding to the collection XXXX aka XXXX XXXXXXXX XXXX. I haven't received any information pertaining the disputes about the collections I have no knowledge of.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX is showing me late when i have never been late. When the account in XXXX was placed on my credit I was in school. And they placed a late on the report. I called them and they agreed to remove it and then a month later they placed it back on. I am asking for them to remove the late and the mistake they had placed on my report immediately. It shows i am late XXXX XXXX XX/XX/XXXX at 120 late. At best it would only have been 30days. But i was NEVER LATE. I have attached a copy to this complaint to look at.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX. This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had a Capital One Bank ( USA ), N.A. credit card that I was unable to pay. The total debt amount with fees and interest totaled {$7100.00}. On XX/XX/XXXX, XXXX XXXXXXXX XXXX, on behalf of Capital One, offered me a settlement amount of {$1400.00} to resolve this debt. Because my auto loan is also with Capital One and is current, Capital One was willing to work with me and offer me the lower settlement amount. I accepted their offer and paid XXXX XXXXXXXX XXXX  {$1400.00}. 

XXXX XXXX XXXX, XXXX has been attempting to collect the original amount of {$7100.00}. I've notified them both verbally when they called and in writing about the settlement agreement with XXXX XXXXXXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent me a letter stating that they have completed their investigation, and the debt is valid.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-03-14
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. (MI)

GM Financial took over {$3400.00} out of my account without authorization for a turned in lease over a period of months. We assumed the payment coming out was for our active lease. It appears the new lease ended up 60 days behind because of the payment being removed and applied to a closed lease. We were refinancing our home when this hit and it has cost my family thousands. All I asked was my credit report to be updated. In over a decade Ive never missed a payment and GM Financial had over applied {$3400.00} on a closed account and only returned when we argued money had been taken. We had no access to the see the lease account w/ {$0.00} they posted payments to instead of new lease. They had {$3400.00} of stolen dollars if not misapplied as I signed a document all scheduled or auto draft payments for that lease would be cancelled. Ive never been late with them nor have any other late payments on my credit report, they XXXX my family as we had an opportunity to lower our house payment by {$1000.00} a month and GM Financial is unrelenting. I would like my credit report fixed and if not GM Financial I want GM Financial treated the same as any other company that steals consumers money.
Consumer complaint received 2021-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Over the course of a year and after several phone conversations and letters with Transunion regarding a Bankruptcy showing on my reports have refused to remove and states has been verified by third part XXXX XXXX. Per XXXX5 usc 1681b definitions there is no such things as public record and as a protected consumer I have a right to privacy. XXXX did not call me to ask if said bankruptcy could be posted on my consumer report. Nor did i give permission to steal information from courts to be sold to XXXX. As a invasion to my privacy I am demanding this be deleted from my report just like XXXX has done.
Consumer complaint received 2021-10-04
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. (IN)

I have been trying to get my score up self, XXXX XXXX, XXXX and one score was XXXX and XXXX and i checked every single day no score changed for months and in one day drops XXXX points in a single day and theres nothing to cause such a drop and my name is XXXX XXXX XXXX theres a name listed XXXX XXXX XXXX and XXXX XXXX address Ive never lived there
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (VA)

On my wifes and my credit report the bank reported us 60 days late on equifax for the month of XXXX for both of us as it is a joint account. I reached out to XXXX XXXX XXXX XXXX where XXXX XXXX said this was incorrect and would be correct and still to this day no avail as to a correction. He also asked me to send him a report showing where it was showing this and still no fix. I am requesting this to be removed completely as it was never paid late.
Consumer complaint received 2021-03-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CT)

We tried to modify XX/XX/XXXX, received modification paper work XXXX XXXX which said trial payments to start within next 2 weeks. 
Ocwen notified us that we needed to resubmit paper work. 3 times over. 
We requested telephone transcript to prove this delay. 
This delay was solely due to an arm increase occurring XX/XX/XXXX the same date that ocwen wanted trial payments for XX/XX/XXXX. 
Ocwen never sent us what modification would cover, until XXXX, XXXX and XXXX XXXX. 
Our account statement ocwen provided in XXXX was completely different than there reconciliation history where they hid excessive. Fees, charges,
Consumer complaint received 2021-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc. (CA)

I applied for a loan in XX/XX/2021 with XXXX XXXX the loan was approved by Capital Plus Financial , LLC the lender never responded to the application. The application has been pending since. On XX/XX/2021 loan documents were sent for electronic signature, on XX/XX/2021 I received a text indicating the loan would be funded in 7-10 business day. Today on a chat I received a message that the loan would not fund.
Consumer complaint received 2021-08-30
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 (FL)

I've tried disputing with capital one on more than three occasion but they keep reporting me late for the past 16 months although I have a written agreement with them
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NJ)

My Visa XXXX  Card Account Ending in # XXXX, was compromised and used without my permission on XX/XX/2022 for the total amount of {$21000.00} at the XXXX XXXX XXXX, in XXXX, NJ. NFCU was advised that I did not authorize purchase. At that time, my card was blocked, and I was told by NFCU that they would be doing a complete investigation, which would include obtaining video footage, signature and/or receipt from merchant, recording of call that was made to NFCU. To only be told at the conclusion of the investigation, that they do not accept video, nor did they contact the merchant. I called NFCU yesterday XX/XX/2022, and spoke with Supervisor XXXX XXXX XXXX XXXX ) who advised me that the investigation has not started. Nor has it been assigned to anyone. I asked for proof of this text message that they sent to me, and it has not been done. I contacted my phone carrier to receive a copy of all calls and/or text messages, but my phone carrier advised me that prepaid phones do not keep records of such data. So the burden lies on me to fight with a bank. Why they would send a text, as oppose to calling me, as they have always done in the past. What was so different about this purchase? Also, they replied back to the previous complaint I entered last month, saying that they were working on it, and per NFCU, supervisor ( XXXX ) on XX/XX/2022, they have not started working on it, which means they are lying about doing the investigation. I am also insulted by the language used in the letter of the denial, basically saying they made their decision by my transaction history, which clearly shows that my wife and I pay our bills, so what is NFCU saying? Also, to accuse me of having some sort of relationship with the vendor is mind-blowing!
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MN)

To whom it may concern, im writing you today in regards to this incorrect Jefferson capital account that's hurting my credit report. Account number XXXX. I have reached out to them numerous times to resolve this matter but to no avail. I will show you evidence that the account amount is incorrect there for should be removed from my credit report by following the fair cares act.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX