davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I, XXXX XXXX XXXX, have noticed Capital One Bank of myXXXX XXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/ 2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to Capital One Bank in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by Capital One Bank on XXXX XXXX,2018.

Capital One Bank has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also Capital One Bank has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that Capital One Bank Validate the alleged debt said to be owed by XXXX XXXX XXXX, however Capital One Bank wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), Capital One Bank continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (TX)

After XXXX I had not used this credit card and have been stuck paying the bill. Since XX/XX/11 my card has been fraudulently charged by an unknown person. I have brought this up to XXXX several times after I noticed the transactions in late XXXX. XXXX cancelled my account issued a new card and have not since given me any written notice of the fraud being taken care of and deducted from my credit statement. The account was paid in full in XXXX on the XXXX. I am still receiving bills and calls from XXXX to make a payment when in fact they owe me money as none of these charges were even from me. I have had late fees and interest fees charged when I am not supposed to owe anything. 
I need help, XXXX has said they will fix this and has not and has charged me since my report made to them in late XXXX. I am so frustrated no one has helped me.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NY)

I am writing to file a formal complaint against Navy Federal Credit Union regarding a dispute with XXXX XXXX XXXX. The company engaged in false advertising, stating that individuals who sign up will only pay per booking. However, I was charged {$2500.00} with no contract, agreement, or deliverables provided. I have filed a dispute with NFCU, but there has been no response.

Timeline of Events : 1. False Advertising : XXXX XXXX XXXX falsely advertised a pay-per-booking model, which enticed me to sign up for their services.

2. Unauthorized Charges : Instead of paying per booking, I was charged {$2500.00} without any contractual basis, agreement, or services rendered.

3. Request for Refund : I promptly requested a refund from XXXX XXXX XXXX due to the lack of services and the misrepresented payment structure.

4. Dispute Filed with Navy Federal Credit Union : I filed a dispute with NFCU to rectify the unauthorized charges, but there has been no response, exacerbating my financial difficulties.
Consumer complaint received 2024-06-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: PENTAGON FEDERAL CREDIT UNION (RI)

I attended XXXX XXXX XXXX XXXX XXXX. This school has been part of multiple lawsuits both for defrauding its students and for a predatory lending scheme in conjunction with XXXX. The XXXX XXXX XXXX  lawsuit, as well as other lawsuits have all ruled in favor of discharging debt associated with both XXXX and XXXX XXXX. In addition to the loan associated with XXXX XXXX, XXXX also pushed me into a private variable loan for XXXX XXXX XXXX XXXX at an incredibly high rate. For the loans that I have with the Federal Government, I filed a Borrower 's Defense Application and was approved and it is currently in Pending Discharge Status. I have attached a screenshot of that for your review. I would like the CFPB to work with Pen Fed Credit Union to discharge this debt as it has already been awarded to others in the lawsuits who literally stopped paying their loans and kept them with XXXX. I worked hard to keep these loans current and get myself out of the loans with variable, high interest rates out of respect for my mother who cosigned with me. Please afford me the rights granted to others in the lawsuit.
Consumer complaint received 2021-11-24
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. (FL)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the negative accounts reporting on my Credit Report : XXXX XXXX {$320.00} XXXX  XXXX {$0.00}
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report :
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit XXXX did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Inquiry Date XXXX. XXXX, 2020
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (FL)

I called XXXX  and Equifax million times. I just want them to delete the disputes I filed months ago and they just updated for me. Every time I call they ask me If I want to apply to a mortgage loan and they do like an interview. I just want to fix my credit. I started to make settlements and payments to my credit cards and I just want them to delete the disputes so yes my credit finally can get better. Of course I want to have a house, I want to have a life and it looked like they don't want to help me. I was a XXXX XXXX XXXX an I can prove that and at the end of school my financial situation got really bad. I was doing clinical rotations I didn't work for a while because I couldn't. Now I am a professional, I want fix things and Equifax and XXXX don't want to help me.
Consumer complaint received 2018-12-04
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: Experian Information Solutions Inc. (TX)

Since XXXX from XX/XX/XXXX-XX/XX/XXXX I have continuously disputed the debt with University XXXX XXXX with all 3 bureaus I also contacted University XXXX XXXX I was on financial aid I have continually asked for documentation of the debt they can not provide anything proving this is my debt I have not received any documentation from the bureaus how the debt was verified who and how their investigation could possibly come back as verified please assist me with assistance with getting this debt removed.
Consumer complaint received 2018-03-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I submitted a complaint recently about a HELOC from XXXX XXXX   unconfirmed debt from XXXX. XXXX XXXX XXXX has sent me a letter of intent to foreclose. My mortgage was modified in XXXX with XXXX  XXXX XXXX. I never took out a loan or HELOC with XXXX XXXX XXXX. I pay my mortgage to XXXX XXXX   XXXX each and every month for the past 10 years. I paid the payments in the condo, for 10 years straight blood, sweat, and tears. SLS paid nothing. You already made my life XXXX by negative credit reporting for 4 years straight. I paid for 11 years straight. I was offered no options. Nothing is for free.
Consumer complaint received 2021-11-24
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax XXXX has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the XXXX are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion Consumer Solutions and Transunion LLC persistently collect securities on a credit report numbered XXXX containing inaccurate tradeline information. Despite being provided with accurate account details, the Defendants failed to rectify the inaccuracies. 

My credit report, bearing report number XXXX, contains inaccuracies regarding tradeline information FOR XXXX XXXX XXXX Account XXXX 2. I duly disputed the inaccuracies with Transunion, providing comprehensive and accurate account details for verification. 
3. Following an investigation, Transunion purportedly affirmed the accuracy of the disputed information, disregarding the me providing accurate account details.

4. Transunion persist in collecting securities based on the inaccurate information, causing harm and inconvenience to the Plaintiff. 

Transunion Consumer Solutions and Transunion LLC are in Violation of the Uniform Consumer Credit Code ( UCCC ) : They refusal to rectify the inaccuracies in the credit report despite being provided with accurate information constitutes a violation of the UCCC. The Plaintiff has the right to expect accurate credit reporting under this code.

Transunion Consumer Solutions and Transunion LLC have violated the UCCC by persisting in collecting securities on a credit report containing inaccuracies, despite being provided with accurate information.
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (TX)

This company Contract Callers has reported inaccurate information regarding an account that reports as opened on XX/XX/2019, and that I owed them {$510.00}. 
The account is reporting as XXXX XXXX, and I have not been aware of such a debt.
Consumer complaint received 2022-12-17
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX  Owed : {$200.00}.
Consumer complaint received 2021-11-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-24
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the Equifax XXXX  requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX - XXXX XXXX XXXXX Balance {$99.00} XXXX XXXX XXXXX Balance {$130000.00}
Consumer complaint received 2021-11-24
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. (UT)

On XX/XX/2020, I went to a doctor XXXX XXXX XXXX XXXX, I found listed on my health insurance company ( XXXX XXXX XXXX XXXX ). Following that visit, I received XXXX separate bills, both for the same amount, and for the same incident date. One of the bills was from XXXX XXXX, and the other was for XXXX XXXX. I had met my out of pocket maximum with XXXX, so they were obligated to take care of the bill. They paid XXXX, but not XXXX XXXX, and despite multiple attempts to coordinate with XXXX  XXXX, and XXXX XXXX over the past year, and multiple assurances from each company that they were looking into it, and it would be taken care of, XXXX XXXX has assigned the debt to XXXX XXXX, a debt collection agency which has reported the fraudulent debt to credit reporting agencies ( despite me informing them that the debt was not accurate and was being investigated ) and reduced my credit score by XXXX points. The fact that I have to bear the consequences of these companies incompetence is unbelievable. This is now impacting my ability to finance a mortgage or auto loan and is a fraudulent report.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: KEYCORP (NY)

Keybank continue to report that I have a negative checking account when they allowed transactions to be removed from my account after they placed a hold on the account. When I requested to close the account due to unauthorized charges, they stated they would place a hold on the account, not allowing any transactions to come out but I could not deposit either. They continued to allow merchants to complete unauthorized withdrawals and are trying to charge me for it. I am not responsible for these charges.
Consumer complaint received 2021-11-24
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the TransUnion Bureau requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I have a XXXX XXXX loan that I am attempting to repay, which was originally disbursed in XX/XX/XXXX. The loan was provided by XXXX XXXXXXXX XXXX XXXX ( XXXX ) and serviced by ECSI. I began making payments on the loan until the onset of the XXXX pandemic, at which point it was placed in an administrative forebearance. Now that federal student loan payments are no longer paused, I reviewed my amount due and found it to be a far larger amount than expected ( over {$1900.00} ). In reviewing my monthly statements, it's become clear that ECSI continued to charge interest on my loan during the XXXX pandemic loan payment pause from XX/XX/XXXX to XX/XX/XXXX. Under the details provided on studentaid.gov ( https : XXXX ), I believe ECSI has been charging interest in error. 

My goal is to make a timely payment on this loan, but I feel I've been charged interest in error. I've spoken with both XXXX and ECSI multiple times. Both parties indicate that they are not responsible for the loan and therefore they can not make changes to the loan itself, leaving me with no possible options for resolving this issue outside of paying for the interest that I feel is predatory and illegal, given the federal policy around federal loans during the pandemic. I've spent many hours on the phone attempting to reach a supervisor with no success. 

I am in the process of waiting for a supervisor 's call from ECSI. The reference number for this call is XXXX. The woman I spoke to at ECSI is XXXX. 

Further, I've requested from both XXXX and ECSI documentation to show that ECSI attempted to notify me that interest would be charged during this time in lieu of the federal pause. They have not been able to provide this information.