davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MN)

On XXXX had a mortgage refinanced with United Wholesale Mortgage. On XXXX attempted to make first payment. On XXXX, XXXX and XX/XX/XXXXmade subsequent payments and prepayments all of which cleared. XXXX XXXX XXXX in-line payment system then began to process payments without a digit in my account number. This resulted in my bank not knowing which account to withdraw funds. When I inquired to XXXX, they stated it was my banks problem, which I was not. At their customer service departments direction I reset up my bank information, correcting the problem. Due to the multiple attempts to make a payment, my account was locked and I am being forced to make my mortgage payment by certified funds. This is expensive and not easy to do. My account t has never been past due and I have already made additional principle payments. There customer service, after multiple attempts, refuses to provide assistance.
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (UT)

Credit Collection Services # XXXX is reporting an account with a balance to my credit which is reporting inaccurately. This collection has been paid should not be reporting a balance to my credit report. I also never received notice about this collection which is in violation of my 30 day right to dispute.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

I am writing to dispute information on my credit report that was reported without my written consent, in violation of 15 USC 1681. According to the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus must obtain written consent before furnishing or obtaining consumer information. 

Upon reviewing my credit report from XXXX, I discovered CB/VICSCRT XXXX, Date opened XX/XX/2017, Status Paid or paying as agreed, Account status - CLOSED were reported without my written consent. I hereby request that this information be investigated and, if found to be reported without proper consent, be promptly removed from my credit report.
Consumer complaint received 2020-01-07
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IN)

I have verbally and in written form, asked Navient to only contact myself regarding private student loans, and only on my personal phone number. I have sent a letter, via certified mail. Navient continues to harass my relatives, calling multiple times per day, calling numbers I have never provided, calling acquaintances of relatives.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CO)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX # XXXX XXXX ACCNT # XXXX XXXX ACCNT # XXXX  XXXX XXXX  ACCNT # XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MD)

I have requested information from this company proving that they own this debt. They responded with a letter and the old bill attached to it from the original creditor. Nothing that proves that they own this debt and collect on it as I requested. I called the original creditor and they told me that they no longer service this debt. I also called them and asked them flat out if they owned this debt and they refused to answer. They did not provide the information I requested within the 30 day time period. I have disputed this with the credit reporting agencies and it came back as valid. This company is failing to provide the proof and evidence under 15 USC 1692 and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2022-12-27
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 (CA)

On Friday XX/XX/XXXX, Capital One proceeded to block my accounts and locked me out of my accounts after my call with their representative dropped. I was no longer able to access my online bank or credit card account. Furthermore, I recieved multiple emails from Capital one stating I had a past due payment on my credit card account. I recieved an email notice from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I recieved an email notice about my past due payments, I tried to access my account in order to make a payment which I was not able to due to my accounts being locked. I made several attempts to reach Capital One and was unable to. I was sent to a voicemail asking me to leave a message and someone would get back to me IF they felt it was necessary. So, I couldnt even call them to fix the problem since they wouldnt take my calls. I made attempts to reach capital one on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and left voicemails as well regarding my access to my accounts. I did not hear back from Capital One until XX/XX/XXXX at XXXX. They were able to give me access to my account and I noticed I was charged past due late fees. I asked if they could reverse the late fees since I was locked out of my accounts during the time my payments were due. They denied to reverse the charges.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

USAA Federal Savings Bank is once again reporting my account in error. 

USAA shows the account last PAYMENT was made on XX/XX/XXXX yet the account was CLOSED on XX/XX/XXXX. How could I have made a payment on a CLOSED account? 

These dates are wrong and according to the FCRA, they must delete any information on my credit report that is incorrect. 

Once again, USAA is harassing me and my financial life by prolonging derogatory credit reporting to pay me back. They have intimidated me in the past and had little compassion for me as a military service member. Over the years, these dates have shifted numerous times and its all to take advantage and bully me. Please ask USAA to send you a paper trail of all these date changes then please fine them.
Consumer complaint received 2023-03-07
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. (RI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I placed an order for rallys on XXXX. Got my order and half of it was missing or made wrong. XXXX wouldnt credit me even tho I sent them pics of my food and message them as soon as it was delivered. I disputed with my bank and they credited me on XX/XX/XXXX for {$11.00}. today now they are saying its valid even though I didnt receive all my order and the part I did get it was wrong. I have sent them the chats between me and XXXX  so they could see that I did report it and my issue and that XXXX wouldnt credited me. I should not have to pay for something that I didnt receive all of and wasnt even made right.
Consumer complaint received 2023-07-03
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)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

I am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!
Consumer complaint received 2020-01-07
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. (WV)

I am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!
Consumer complaint received 2019-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested that this account be verified previously and it was removed from my credit report. I requested validation again and they are ignoring my request. Since when can an account be added back to a credit report with a different name and more inaccurates.
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (PA)

First of all, I have not received the whole service. 
XXXXXXXX XXXX XXXX  visit copay is {$10.00}. I confirmed with my insurance. I called the office to fix but there is no response and they are trying to collect extra fee from the patient. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  visit copay is {$10.00}. I have never paid {$25.00} copay for this service
Consumer complaint received 2020-01-07
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)

Equifax and XXXX are reporting incorrectly a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I was re-locating from Indiana to Florida. I had to break my lease a couple of months early. I spoke with the leasing agent of the apartment complex and made an arrangement to pay the remaining balance due on the apartment. I was not aware that the apartment complex went ahead and sent this account to collections until I obtained a copy of my credit report. The amount they are reporting is false and this account should never have gone to collections in the first place. XXXX has deleted this line item from my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have been unsuccessful.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is follow up for complain XXXX Bank of America has NOT address my concern and give me any update before close the complaint. 

Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS - it charge my interest about {$54.00} again on XX/XX/XXXX ; - it mentioned that I use `minimum payment` for the automatic payment. But I clearly remember I used `statement balance`, with which I should not be charged with any interest. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS it mentioned that I used `minimum payment` for the automatic payment. But I clearly remember I used `statement balance`, with which I should not be charged with any interest. Please provide evidence that I used `minimum payment` for the automatic payment THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS The company promised me in the phone call, that they will : - refund all my interest charge ; - fix the auto pay settings. Obviously it is not true, as I was charged interest of {$54.00} dollar again on XX/XX/XXXX.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (MS)

I sent dispute letters to Experian in XXXX and I did not receive any notice of results or investigation. So I sent another dispute letter in XXXX and after more than 45 days Experian sent me an email stating they will not be taken any action with the letters I sent. So now I am filing a complaint because it has been more than 45 days since I sent the 1st dispute letter with no response. I let Experian know and sent another letter with a message stating that they will not be processing my dispute.
Consumer complaint received 2022-12-27
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: DISCOVER BANK (CA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (OH)

privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX  XXXX  # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convIctions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-06
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: EQUIFAX, INC. (FL)

The billing information the company had was incorrect. Theyre falsely reporting late on my credit report. I have tried repeatedly to resolve this with them and they are in non compliance with the federal trade commission. They are brushing me off saying I am sending frivolous letters. Theyve charged me late fees and finance charges and continue to damage my credit.
Consumer complaint received 2020-01-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hello, I have an account on my Equifax credit report that is reporting negatively and hurting my score and ability to get financing. It is XXXX XXXX XXXX. I do not believe this is my account, so I contacted Equifax on at least three separate occasions asking for more information about this debt, under the FCRA section 609, which specifically states that a credit reporting bureau needs to give me some sort of proof of my original contract or other identifying information showing that I had an agreement or debt with this company. By law, Equifax is supposed to get any information about this debt from the company and then give that to me. After at least three attempts to get any information about this debt with XXXX XXXX XXXX, they have yet to provide me with any information showing this is my debt. All they keep writing to me is that this debt remains verified. I am not asking for verification. I am asking for original documents that they by law have to give me, under FCRA 609, proving that this debt is mine. They are still reporting negative information on my report and it is causing me emotional and financial harm. They are blatantly breaking multiple laws under FCRA. If the validity of the account at XXXX XXXX XXXX can not be determined, then it must be deleted. I want to hold Equifax accountable and in contempt of these laws, and make sure that justice is served.
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (KY)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXXXXXX 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 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 HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A, STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2019-02-13
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: Experian Information Solutions Inc. (FL)

I received a copy of my credit report and there is an account with XXXX XXXX XXXX  showing. I haven't had XXXX XXXX credit card for over 10 years. This account is showing it opened in XX/XX/XXXX and I know for a fact I did not open an account with this company then. The one I did have was actually included in a very old Bankruptcy back in XX/XX/XXXX I believe. What I know for sure is this one showing XXXX is not one I opened, used or know anything about.