davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (CA)

When I reviewed my credit report again, I discovered that some of the accounts were erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXXXXXX Balance : {$800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX Balance : {$620000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been a CAPITAL ONE AUTO FINANCE customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.
Consumer complaint received 2021-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (FL)

They have made illegal phone calls but they dont get the proper disclaimer about the information for a debt they lie to not give me a deferment. They state when I ask about doing a payment date change that they can do it but then dont apply it and wait till parentheses its past due and then lie and say sorry now you have to pay we cant do anything for you. I do have a recorded phone call that I asked permission or inform them that I am recording it the Friday amount of times they do illegal business practices as Ive seen there intentionally deceiving customers in order to fraudulently charge fees. I have images of my online account that show my last payment was the end of XXXX but a different part of the county also stateThe last time I made a payment was 90 days ago that was not 90 days of their illegally charging fees going to see for collection processes and making illegal threats
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX was paid for Us by XXXX XXXX XXXX. 
They claimed they have not been paid the last payment but they were on XX/XX/2020. 
We faxed them all the information they said they needed. I want to say in XXXX of last year but they are reporting every month that we are a late pay again. This is hurting our credit. We have already contacted them though XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I received a collection on my credit report that definitely isnt mine and when I called and asked about it they said it was but its not. 
Account opened XX/XX/2018 with Jefferson Capital Systems for a collection of a debt that isnt mine the original company is XXXX
Consumer complaint received 2022-11-23
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. (CO)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These unverified inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (GA)

I sent a dispute letter to Synchrony Bank regarding an account that appeared on my credit report. The company failed to validate my account within the 30 day time period provided by the Fair Credit Reporting Act. I sent another letter to the company notifying them of their failure to validate the account and that they are required to delete the account. Instead of deleting the account Synchrony Bank updated the account on my credit report and has now sold the account to a collection agency. I am reporting Synchrony Bank for failure to comply with the Fair Credit Reporting Act.
Consumer complaint received 2021-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ladera Lending, Inc (CA)

I started an application to refinance my loan with Ladera Lending. I started going through process of signing refinancing documents when there was a document in the pack that I was not comfortable signing. I talked to the mortgage lender, XXXX XXXX, who told me the form was required to fund the loan. I cancelled the loan application by filling out a cancellation form and submitting it with the notary. When I go back from vacation, I found out that they ignored my right to cancel and processed the loan anyways. I was charged points and fees even though I canceled and submitted the cancellation with the notary. They will not give me a signed copy of my documentation nor are they responding to my requests.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNTS ) Account # 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.
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc. (CA)

ARS National Services was paid for Us by XXXX XXXX XXXX. 
They claimed they have not been paid the last payment but they were on XX/XX/2020. 
We faxed them all the information they said they needed. I want to say in XXXX of last year but they are reporting every month that we are a late pay again. This is hurting our credit. We have already contacted them though XXXX.
Consumer complaint received 2021-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I have a debt for going to the emergency department after a fall down some bleachers. They add the account to my credit report not once but twice and I reported it once or twice and the debt isnt being resolved. They have been adding XXXX x2 for the same collection twice. The first time they added the debt it was correct but they added interest fees and reported it to my credit a second time. They are hurting my credit every month.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my XXXX XXXX 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (MD)

Two Credit Cards were opened in my name in XXXX when I had my credit open because I was in the process of purchasing a home. The cards were opened on XX/XX/XXXX and XX/XX/XXXX. 

A credit card was opened with XXXX XXXX on XX/XX/XXXX in the amount of {$720.00}. I did not open this credit card. I contacted XXXX XXXX repeatedly to let them know that I was unaware of this card and never made the purchase. The so called missed payments over the course of the past year and a half has seriously injured my credit. 
According to my credit report with XXXX, it was Charged off in XX/XX/XXXX. 
However, this remains as a problem and is impacting my credit report. I want this account removed from my credit. 
XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-10
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: Experian Information Solutions Inc. (AL)

There 8 total accounts regarding student loans from 2011. Four are closed with no balance but legally should be removed as they are over 7 1/2 years old. The next 4 are duplicates but showing as active. These also legally should be completely removed as they are over 7 1/2 years old but show as current. They are all Department of Education accounts. The following are open dates and amounts : XX/XX/11 {$4500.00} ; XX/XX/11 {$4700.00} ; XX/XX/11 {$7100.00} and XX/XX/11 {$890.00}. 

I have repeatedly asked all 3 credit bureaus to remove these from my credit report, with varying results. The above statement reflects my XXXX credit report.
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I disputed the account with XXXX XXXX XXXX several times and every time I make a dispute they go in and decrease my credit score by 23 points. The original creditors is Capital One. I think this is retaliation and predatory tactics to try and make me pay a debt that I do not owe to this. I would like for this company to be completely removed from my credit report. This is hurting my credit tremendously. Please help!
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (PA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against One Main Financial regarding an error on my account. My name is XXXX XXXX XXXX, and my One Main Financial account number is XXXX. Despite my multiple requests to satisfy my account as paid and closed, my account still shows a balance owed. 

On XX/XX/XXXX, I requested a payoff amount, and I received an email copy of the payoff amount, which totaled {$8500.00}. I made two regular payments of {$440.00} in XX/XX/XXXX and {$350.00} in XX/XX/XXXX. Since XX/XX/XXXX, I have made several principal payments totaling {$11000.00}, and a final payment of {$240.00} on XX/XX/XXXX, which was supposed to satisfy my loan according to the representative. 

Despite these payments, I have received an email stating my statement is available, and my mobile app still shows an outstanding balance. I have attached my final payoff document and a screenshot of my payment history for your reference. 

I have contacted One Main Financial multiple times and was told that my account would be closed after a payment was made, once on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I made an additional payment of {$310.00}. However, my account remains open, and I feel scammed and frustrated. 

I am questioning One Main Financial 's accounting practices and would appreciate it if you could investigate this matter and reach back out to me with a resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/20, I phoned Synchrony Bank. Recovery Department, spoke with XXXX to negotiate a payoff on a debt in collections that I owed Care Credit. During our conversations, I made an offer of {$700.00} to settle a {$1800.00} debt. XXXX, explained he would submit the offer and for me to call back approximately one week for acceptance results. I phoned on XX/XX/20, spoke with XXXX, he informed me that the offer was accepted and stated I would receive a letter of agreement and that once I receive the letter I would have 30 days from the date of the letter to make the payment. I received 2 letters that were promised on XX/XX/20 both dated XX/XX/20, stating I had 30 days from the date of the letter to mail payment to settle the account per agreement in the amount of {$700.00}. On XX/XX/20, I purchased a cashier 's check from my bank and mailed the payment overnight to the address on the letter on XX/XX/20. On XX/XX/20, phoned again was told payment rec XXXX XX/XX/20 and that I didnt meet deadline 30 days from verbal on XX/XX/20. I explained 30 days from date of letter. I phoned 2 more times and was told the same thing. Requested supervisor to call each time was told not available. Please see the attached with complete detailed communications with Synchrony Bank. Not enough room in this box.
Consumer complaint received 2021-01-10
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 (CA)

On XX/XX/20 a dispute was it to be reversed and then a credit was to be applied. The reversal was done but the credit was not. Without the credit my account is in a negative balance. I have contacted bank of america several times they see I did not get my credit my but they tell me that there is no time limit on how long they can take to apply the credit. I still have not received my credit it's been almost a month now. Help me please
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

I got an closing account notice without any information. I called American express for answers and they find out that there are return payments and lead to account closed. However, the false payments are made by fraudster, they add bank account which is not mine and I don't even know who owns the account. I told them the situation but they still want me to provide the bank account information which I will not know because is added by the fraudster. No one is willing to help my account and the account have a value of over XXXX points which is almost equivalent to {$4000.00}.
Consumer complaint received 2021-01-10
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. (GA)

Hi I disputed 2 accounts with XXXX XXXX XXXX XXXX. I disputed this with Experian and with XXXX XXXX XXXX sometime ago and they refuse to valiadate this debt even Experian. I need to see a sign contract that I sign and promise to pay them for two loans. One loan is for XXXX and one for XXXX. They need to send me that promissory note.
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I've had my Capital One Card for many years. I have a very good credit score ( close to XXXX XXXX. Cap One chose to close my account for inactivity. I had not used it for a period of time. My issue is that they sent the closure notice to an email account I no longer used. They should have seen a bounce back email and known their communication attempt was not successful. At that point, Cap One should have contacted me via US Mail and phone. However, they summarily closed without my knowledge. So, I was not aware they had made this decision in a vacuum. This, of course, effected my credit score as I lost the years of history. 

I recently discovered they had closed it and called their help desk to have the account reopened which they say they can't do because it was closed due to inactivity. However, they should have given more than one notice to a non existent email account prior to closing this account and damaging my credit score.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : 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 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

I have been a XXXX  XXXX XXXX  XXXX  customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I'm trying to log into my TransUnion account to manage my credit freeze. My user name is my email address. I can not log in. When I try I get an error messaging saying my user name or password is incorrect. Resetting the password does not help. Messaging with support on XXXX ( Twitter ) has not helped and is taking up to one hour to get a response to each message in our conversation, which I find unresponsive.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.