davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following itemsfrom my file. 
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 2015-07-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I enrolled in XXXX university. I was assured by several XXXX XXXX and XXXX Bank that the debt I was acquiring was standard and would be easily repaid upon graduation. However, at graduation I found myself with more than {$200000.00} in private loans with interest rates around 8 % and unable to find a job for more than XXXX months. I am now drowning in monthly payments of about XXXX and they have been very unhelpful and reluctant to help lower my monthly payments. By the time I finish paying the loans off I will have paid them more than {$450000.00}. After paying my loans, I have little over {$50.00} left and rely solely on family to provide simple things like food and shelter. The government needs to intervene to defend the private borrowers from this type of abuse, this lending is immoral and unethical. How are you promoting education by setting students up to live a lifetime of debt and burden? Please help
Consumer complaint received 2020-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (FL)

To borrow {$320.00} I have to pay back {$2400.00} with {$97.00} dollars deducted from my bank account every two weeks. This is a predatory loan. The interest is 780 %. Thats XXXX a month I pay back when I only borrowed {$320.00}.
Consumer complaint received 2020-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Please see the attached letter which I received XX/XX/2020 claiming that I owe XXXX XXXX/XXXX XXXX a debt of {$240.00}, but they will take {$170.00} to call it square. I am denying this demand for payment ( see attached copy the letter ) I do not now, nor have I ever, had an account with XXXX or  XXXX XXXX. Furthermore, it has been sixteen ( 16 ) years since I have had any type of utility in my name. The XXXX XXXX XXXX has been contacted, the Sheriffs Office as well if necessary and a complaint now filed with you. 

How can they get away with this stuff? I will be sending them a certified letter to demand they cease and desist. If they have been trying to call, I've probably already blocked their numbers. This is so frustrating and so bogus ... big sign of SCAM alert.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I attached a consumer report as Evidence
Consumer complaint received 2023-03-24
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. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : NXXXX 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 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
Consumer complaint received 2020-02-22
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 (FL)

On XX/XX/XXXX I made an on-line purchase using my credit card at Kohls. I never received the items. I reported this to Kohls on XX/XX/XXXX. I also found out that that the shipper Kohls contracted sent the package back to Kohls and I have proof of this. I asked that the order be canceled and my account credited. On XX/XX/XXXX I received a phone call from Kohls about my late payment. I spoke to XXXX ID # XXXX who told me it did not matter whether I received the product, I still had to pay for it! On XX/XX/XXXX I called and spoke to XXXX ID # XXXX and she assured me that this would be taken care of and gave me a reference # XXXX for this. 
On XX/XX/XXXX I received an alert from XXXX XXXX that my credit score had dropped more than 60 points because Kohls reported my account as non-paid. I immediately called Kohls and spoke to XXXX ID # XXXX. She said that my account had been credited for the items I did not received on XX/XX/XXXX. However, I was being charged late fees and interest. Huh? Late fees on a balance I did not owe??? I would like to add that I reported that I did not receive the items ordered before the end of the billing cycle. I do have documents from the shippers that I can provide by mail. I tried to include them here but I was not able to scan and send them successfully.
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

Hi, I refinanced my home with XXXX XXXX XXXX ( servicer XXXX XXXX  XXXX ). The initial loan was for XXXX and was closed on XX/XX/2021. 

I have made 2 principal only payments to XXXX XXXX  on XX/XX/2021 - XXXX XX/XX/2021 - XXXX reducing my principal balance to XXXX as of XX/XX/2021. XXXX Attached statement from XXXX XXXX  ). 

My loan was transferred from XXXX XXXX  to BSI Financial Services on XX/XX/2021 and they setup my account with initial balance of XXXX totally disregarding the previous payments in XXXX and disregarding the statement from XXXX XXXX  which shows clearly the account was transferred with an initial balance of XXXX. ( statements attached XXXX. 

I am not sure if this done to defraud me or was a mistake, however looking at BSI actions in past and the settlement they did with CFPB on the same issue per link below https : XXXX I have contacted both XXXX  XXXX  and BSI several times with no resolution. I even got both the companies on same conference call and XXXX XXXX clearly provided documentation to show that they transferred loan with a balance of XXXX, but BSI is not ready to fix this issue. 

They keep insisting that my original note is of XXXX, so that's the amount they will set the loan for. 

Please help in resolving as it is not getting resolved. 

The XXXX  XXXX  Contact Information is as below XXXX XXXX XXXX a division of XXXX XXXX XXXX ATTN : Consumer Solutions Department XXXX XXXX  XXXX XXXX  XXXX, Virginia XXXX XXXX BSI Financial Information as below BSI Financial Services XXXX. XXXX XXXX XXXX, PA XXXX Customer Care Phone : XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-12-01
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. (AZ)

XX/XX/2022 Mailed dispute letter for verification of late payments on credit card accounts on consumer report. Demanded proof. Proof not received and its been over 30 days.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

When you type annualcreditreport.com into a web browser, it gives a 404 page error. ( The address bar shows " https : //XXXX '', although I am NOT at any foreign location - I am in the United States . ) However, using the link from the FTC webpage ( https : //www.consumer.ftc.gov/articles/0155-XXXX ) DOES work. 

After using the FTC 's link to enter the site, I encountered another problem. Once I viewed the first credit report, the link to get another report ( " Get your next report or finish '' ) creates a popup with 2 choices : " Yes, I want to return to XXXX now '' and " No, I'd like to remain on this web site ''. The link to remain on the site works, but the one to " return to XXXX '' does not. It simply remains on the same page, although the web address bar shows " https : //XXXX.transunion.com/dss/returnToXXXX.page? # ''. 

In addition, every company providing a credit report is apparently allowed to create ads for paid services on the pages that display the free reports. This is very misleading and I hope the CFPB can stop the practice. ( Also, XXXX  's use of the XXXX website, which is nothing more than an advertisement for their {$24.00} a month credit monitoring service. )
Consumer complaint received 2024-02-12
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. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-14
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not delete these items, 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
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (TX)

On XX/XX/2021, I received an alert from my credit monitoring app, XXXX, in regards to a collection that has been reported by Radius Global Solutions for the amount of {$51.00}, account # XXXX. My spouse called the collection agency in an attempt to rectify this matter by having it removed from my credit so we could pay it. RGS refused to do so and claims can only report it as paid. While I understand there are certain aspects that are governed by the FCRA when it comes to credit reporting, I am also understanding of the fact that as unsophisticated consumers, we were not given the chance to reasonably resolve this debt. After all, it is only {$51.00} and are able to pay it. However, the damage to the credit has been done and paying will do nothing. 

We never received a validation notice or even a phone call advising that they had received the account at their agency. If we would have been made aware that it was owed, we would have been more than happy to resolve the debt. While I am not disputing the debt at this time, I am submitting this complaint in regards to never receiving the validation letter at the correct address which would have notified me of my rights under the FDCPA and for this matter I feel that the company his performing abusive and deceptive acts and practices.
Consumer complaint received 2023-03-24
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: BMO Bank, N.A. (NY)

XXXX XXXX XXXX XXXX CA {$3.00} XX/XX/2023 This transaction was supposed to be refunded by XXXX as the order was cancelled because the Dasher could not complete it. After it was cancelled, the support agent said my account had a block for refunds. 

I want to dispute it but I was on hold for over 30 minutes trying to, and there's no chat/online way to fix it. I'm only disputing it here because it's faster.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (OH)

I received a letter from XXXX XXXXSynergetic Communications, Inc. 
stating I owed a debt that does not show up anywhere on my credit reports and that I have 30 days to contact them to dispute before I make any attempts to tell them I do not owe I was told to contact you guys because this company has sort of a history of trying to collect on bad debts or outright false debts. 

they state payment must be made by XX/XX/2021 the full amount listed that they claim I owe is XXXX but they have a one time special offer of XXXX to pay it off in full, they state the original debt is through XXXX XXXX XXXX  which I also do not recognize. 

I should add they also have many reports on XXXX  with similar complaints regarding them just tossing claims out and hoping it sticks I pay what I owe but I don't owe this and I want them to leave me alone.
Consumer complaint received 2019-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Trans Union received my dispute certified mail no. XXXX for a negative account listed on my consumer profile that was a result of fraud activities that should have been removed. They failed to do a proper 30 day investigation. Additionally I requested for them to NOT use the XXXX system and retrieve the police documentations and send it directly to the DATA FURNISHER for a 100% complete and accurate investigation.
Consumer complaint received 2022-12-02
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: CBC Companies, Inc. (MD)

HARD INQUIRY ISSUES. 
I was shopping to refinance my Condotownhouse in XX/XX/XXXX, and XXXX XXXX was the projected lender which it is not actually. They run my credit through a 3rd company FACTUAL DATA, this company run 2 additional times without my consent. The first time when a XXXX XXXX lender representative and I agree to estimate the refinance cost which I can see in my credit report back on XX/XX/XXXX ; the second time my credit report was pulled again ( XX/XX/XXXX ) when they transferred me to a second representative from XXXX XXXX and seems this representative without my consent restarted over and told me that I didn't qualify and needed more extra income to qualify They ask me for my wife 's credit and she consented, she talked to them and They told me will add to the estimated projected refinance. This representative not just give me a high estimate and pulled my wife 's credit report but also mine for 3rd time on XX/XX/XXXX which I consider unnecessary and against my credit behavior I didn't want and deserve to be treated in that way, fortunately, we walk away from this company and I qualified for other Mortgage company all by myself and my wife 's credit wasn't needed. I talked to XXXX XXXX XXXX XXXX Resolution Advocate XXXX XXXX and she didn't consider an error, short and not helpful Phone number is XXXX fax number is XXXX.
Consumer complaint received 2024-02-12
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-02
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)

In response to your response of complaint XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have explained in various written complaints via XXXX, CFPB, online disputes with your company and phone calls that these accounts are FRAUDENT. I have explained on several occasions that although my personal identity was stolen ( DL, SS card and birth certificate ) when I obtained replacements I was given the exact same information that was stolen with the same identifying factors, such as DL number, my SS number didnt change, etc. ). I have also explained that stolen was information was never recovered. I have previously provided your company with two identity theft police reports ( one in which named a suspect ), two notarized FTC identity theft reports, proof of address ( electricity bill ), copy of SS card and Drivers license, and despite legal and undisputable evidence of identity theft your company has failed to adhere to the FCRA 605 ( b ) blocking rule. 


Since XX/XX/XXXX I have made various attempt to rectify this situation with your agency. For the past two years, I have precisely followed the normal rules of a dispute as outlined by the FCRA with no prevail and as a result, I have found your company to be in violation of several FCRA rules particularly FCRA Section 609 ( A ) ( 1 ) ( a ). 
Recently I have sent your company a dispute on XX/XX/XXXX asking your company to block the above accounts as they are a result of identity theft and your response We initiated an investigation into the items and the results are below : We have researched the credit account.. The results are : We verified that this item belongs to you. 

I have reason to believe that you conducted an unreasonable investigation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above. This burden of proof is upon you, the CRA, in accordance to FCRA 609, therefore responding If you have additional questions about this item please contact the creditor is not only illegal in conjunction with the FCRA rule but redundant.