davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (IL)

The debt collector was hired by my former to collect a debt that should of never been reported by the landlord this company took 20 points off my fico score and it cost me a mortgage loan because of this they refuse to put those 20 points back on my score and the landlord they just dodge my questions with excuses they need to be held accountable to for this there was no excuse for this at all none.
Consumer complaint received 2021-01-07
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. (MD)

I have filed numerous disputes with the agency about an account requested Experian to verify this account, they come back verified. 
i have written to the furnisher Multiple times via certified letter and even provided documentations to them that i contacted the furnisher directly to request same information and the furnisher didn't respond.
Consumer complaint received 2023-02-19
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. (CA)

I Have Addressed This Situation Multiple Times Of Unverified  Information On My Credit Reports Without My Written Consent Which Is Financially Hurting Me And Is A Defamation Of My Character. Under Law Fcra Section 623 Is Violation  #1And Us Court Of Appeals Ninth Circuit No.00-15946, Nelson Vs. Chase Manhattan Violation #2  Also The Law Fcra Section 611 Part(A)(1) Violates The Consumer Protection From Not Being Able To Provide Verified Original Documents Of Such Negative Information On My Credit Report With The 30 Calendar Days.Also Violation #3 In Result Of Defamation And Willful Injury To Ignore My Request Of Verified Documents Which Violates Law Fcra Section 623 Crushman, V. Transunion Corporation Us Court Of Appeals For The Third Circut Court Case 115 F .3D 220 On June 9Th 1997, Filed (D.C. No 95-Cv-01743). So You Must Verify Or Delete These Accounts That Are Reporting Negative Information Listed Below WITHIN ALL 3 BEAURUS :

SHOWS ON ALL 3 BEAURUS:
 XXXX XXXX XXXX       XXXX

SHOWS ON EXPERIAN AND XXXX:
-XXXX  XXXX XXXX XXXX
-XXXX XXXX XXXX XXXX
-XXXX XXXX XXXX XXXX
ONLY SHOWS ON EXPERIAN
-XXXX XXXX XXXX
ONLY SHOWS ON XXXX: 
US DEPT ED
XXXX
Consumer complaint received 2023-03-06
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-10-13
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. (FL)

I HAVE REPORTED THIS TWICE TO DISPUTE XXXX XXXX/XXXX ACCOUNT HAS NEVER BEEN LATE. THESE BUREAUS XXXX AND TRANSUNION COMPLETELY DISREGARD THE FAIR CREDIT LAWS AND CONTINUE TO REPORT FALSE INFORMATION. I WILL SEEK COUNSEL TO FILE A LAWSUIT.
Consumer complaint received 2021-01-08
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: Radius Global Solutions LLC (LA)

On, XXXX XXXX2020, a derogatory mark was added on my credit report per XXXX XXXX from Radius Global Soultions and as allowed under the Fair Debit Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPPA authorization. 

If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX, and XXXX  to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. 

Please note withholding the information you received from any medical provider is an attempt to be HIPPA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA compliant.
Consumer complaint received 2023-06-15
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. (FL)

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX I understand that failure to investigate these accounts within period of thirty days will result in " non-verification '' which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j- requires that I received both written notification of the appropriate corrections and updated credit reports at no charge
Consumer complaint received 2021-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

This is the 3rd complaint filed with regard to this matter. The previous two complaint numbers are XXXX and XXXX. 

It is notable that the XX/XX/2021 letter by Capital One was written by an unknown writer. Apparently there is no one at Capital One who is willing to put their name on this injustice of a cardholders rights under VISA rules. Also this cardholder left a phone message for supervisor XXXX over one week ago that has never be returned by Capital One or XXXX. 

The response by Capital One is lacking an explanation or rebuttal of the information this cardholder complained of. All of the following are due a response. 

1 ) Why Capital One used an invalid chargeback code for merchandise not received when it was evident that the merchandise was being held in Customs? 

2 ) Why Capital One attempted to bring a pre arbitration chargeback but missed the deadline and it was rejected by VISA for the late filing.

3 ) Why Capital One did not ask the cardholder for the contract when it knew there was a contract governing the transaction? Both the merchant and the cardholder stated there was a contract.

4 ) Why Capital One did not enforce the contractual agreement that required the merchant to refund the full purchase price upon the breach of contract by the merchant?

5 ) Why Capital One has failed to bring a compliance inquiry with the merchant and VISA when the merchant clearly used the VISA payment system to collect funds from the cardholder based on a written contract that the merchant breached?

It appears that Capital One is supporting merchant fraud and/or breach of contract. A cardholder has rights under the Federal laws including the fair credit billing act and VISA rules. These rights and rules were clearly violated and Capital One is refusing to take responsibility for this. 

See screenshot from Capital One website where Capital One promises that merchants are held to their polices. Here the merchant does not even have a return policy in violation of VISA rules. There is a contract however between cardholder and merchant promising the cardholder he will receive a full refund if the merchant ships the merchandise on a date other than agreed. Here the merchant clearly shipped the merchandise on a later date breaching the contract. The cardholder had every right under all laws to expect a full refund through his credit card.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

On ( XX/XX/2016 / {$4400.00} ), USAA SAVINGS BANK added a derogatory mark on my credit report per XXXX XXXX, XXXX, XXXX, and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, USAA SAVINGS BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
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: Experian Information Solutions Inc. (SC)

Discrimination and unfair equal credit opportunity from the credit reporting agencies has caused me ( the consumer ) an ordeal of economical and non economical damage to deal with on my own. The suffering have left me scared and damaged with plenty of proof to show for it. I am not able to obtain personal, family, and household services or products due to the credit reporting agencies disobedience and failure to carry out their responsible duties to insure the accuracy of my consumer reports.
Consumer complaint received 2021-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021, I, XXXX XXXX sent Capital One Auto Finance a right to rescission regarding my auto loan. Under the Truth and Lending Act ( " TILA '' ) 15 U.S.C Section 1635, return my downpayment in the amount of {$7700.00}, double the finance charge of {$35000.00}, the cancellation of any lien against my property, and cancel the contract. Capital One never responded to my hereby request and proceeded to send me statements regarding a payment.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Mr Cooper has not been applying the principal correctly to my loan for years and my loan balance jumped form {$6700.00} past due to $ XXXX past due in 2 months and they will not provide me with an explanation as to how $ XXXX was added to my loan. Based on the escrow statement, it appears they applied a bunch of my payments to escrow, {$4500.00} worth and this could explain some of why my loan balance jumped so high. The claim filed at bankruptcy beginning was XXXX and despite receiving years of payments my loan balance doubled. Where has the money gone? They are trying to foreclose and will not work with me on a modification. They denied my modification. I requested assistance to pay the current payment plus extra towards the past due amount and they will not work with me but I wanted the loan balance correct and the $ XXXX increase to my payment due explained before paying the balance. I want to keep my home and will be homeless if I lost it. All the documents are attached.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (VA)

I have a car loan with XXXXXXXX XXXX. I communicated and arranged to make a payment on or before the XXXX of XXXX. ( XXXX XXXX claims that if you community with them that they will work with you. Its only when you dont communicate with them that theyll assume you are not going to pay. ) I never had a 30 day late fee ; XXXX if I was late. XXXX. Because a 30 day late fee is only after youve been late 39 days. I paid {$1400.00} on the XXXX of XXXX. The payment processed on XX/XX/XXXX. Im now current, yet I get a 30 day late on my credit report for XXXX. My car payment is due every XXXX of the month. Again XXXX XXXX  has never gave me a late fee. But lately they have been picking in choosing how they manage accounts. ( Like one time I scheduled a payment on the mobile app and they still garnished my money to pay on my car. In when I called the said even though I made an arrangement on there that I have to still call. However that never was so, but now its changed. ) When I called on the day I disputed the 30 days late for XXXX, the loan agent explained that it didnt matter if it wasn't a full 30 days. They report at the end of every month. In so what Im getting from this statement is that companies and banks like XXXX XXXX  can report information on your report before 30 days. Or wherever they feel like it. So I disputed it with the credit bureau. In it came back today XX/XX/XXXX as update with only a check for XXXX and the 30 days is still there for XXXX. Why is something like a credit report is in place? Yet manipulated in twisted to the companies advantage. In its okay to give an explanation such as the one she gave ; in Im supposed to be okay with it!? If you have 30 days before you are late then it should be report on the XXXX day or after. And if you didnt report it, there should a time frame to do so. People are being deliberate and personal in their actions now a days. Manually doing underhanded stuff before they have the power. I my here is nothing in place to stop it. Ive sent in supporting documents to show my payment wasnt 30 days late from XX/XX/XXXX to XXXX when the payment was processed, but 19 days. I just hope XXXX XXXX can have some integrity in stop doing customers like they do. Then using the system maliciously to discredit you.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I ordered a copy of my report in Experian.com dated XXXX, and I found out that credit reporting agencies still indicate my dispute of information in my credit report. as required under Section 609 ( a ) ( XXXX ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX/XXXX XXXX Date opened XX/XX/2021 XXXX : {$1000.00}
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When we purchased the car, we set up payments through XXXX XXXX. XXXX XXXX would receive the money and then pay XXXX XXXX. In XXXX, we received a note from XXXX that the payment was late. We checked the banking statement and XXXX had received the money to make the payment. We called XXXX XXXX and the representative informed us that they did receive the payment, but there was a system error and XXXX hadn't been paid. We were then informed to make our XXXX payment directly to XXXX. The representative drafted and sent us a note explaining the error and they sent the same letter to XXXX. However, the late payment was still reported on my credit. I have called XXXX several times explaining the situation and have faxed them the letter from XXXX explaining what happened. In addition, I have filed several disputes in which I attached the letter and explained what happened. However, each time XXXX has denied to remove the error from my credit report. The account is now paid and closed as I moved the loan to another company.
Consumer complaint received 2023-03-06
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. (GA)

I had requested via letter by mail that this account be verified and I have not seen any proof from the bureaus that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to to do so, you need to remove this account from my credit report ASAP! 

XXXXXXXX XXXX  {$610.00} XXXX XXXX XXXX {$2300.00}
Consumer complaint received 2021-01-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I bought a home in XX/XX/2018 which included my escrow account as well.My payment with the escrow account was {$1600.00} and it remained the same for 1 year with fixed interest rate of XXXX after 1 year my payment was reduced to {$1400.00} still with the escrow account without any reasons disclosed..It remained the same till last year in XXXX and without giving any explaination the monthly payment went up to {$1700.00} and after 2 months in XXXX the monthly payment went up to {$2300.00} again without any explaination. I called the lender to know wht was going on but without sucess and when i asked to talk to a senior person that too was denied..I stayed on the phone line for 3 hours being transfered here and there and finally came the answer that there is a shortage in my escrow.But my question is how can there be a shortage when i have never missed a payment .This they could not answer and after there calculations to which i have no idea how it was done they agreed to reduce my monthly payment to {$2000.00} and that to for next 3 years..If u do a simple calculation if they are saying my escrow payment is {$940.00} for a month so for 1 year I am suppose to pay {$11000.00} and my property tax for the year is {$4000.00} which includes my taxes and insurance and if I pay {$940.00} for 3 years i will pay for my escrow {$33000.00} which does not make any sense.I would say its a total rip off and during this pandemic iam just struggling to keep up with this kind of behaviour. I would appreciate very much if someone can solve this matter. 
Thanking You in advance.. 
i would like to give my information as follows.. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone..XXXX Mortagage Company ... Carrington Mortgage XXXX XXXX XXXX, XXXX, CA XXXX phone ( XXXX ) XXXX
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

Hi, On XXXX XXXX fraud transactions ( XXXX transferred ) happened on my bank checking 's account and someone transferred {$3600.00} via XXXX. I went to PNC to file the dispute on XXXX they did not solve my problem so I called escalation team to file the dispute PNC dispute ID XXXX and filed police complaint # XXXX on same day. PNC denied my dispute and redisputed on XXXX and they denied the dispute again. I am helpless right without my bank account and I lost my money. Don't know how to resolve this issue. PNC is pathetic bank. Please help me to solve this problem. I need my money back. 

XXXX XXXX.