davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This grumbling to CAPITAL ONE was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX
Consumer complaint received 2019-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I am filing a complaint with the lender XXXX XXXX. for its unlawful tactics and hiding information from me as the borrower. I have made payments the best to my ability and advised them what i could afford. Every time i call for a income based program or forbearance i get told there is nothing they can do there are no options and that i have to continue making my payments. At that point i have made the same payments every month that i could at {$200.00}. The payments jacked up to {$900.00} per month and the payment system blocked any payments that were not the full amount of {$900.00}. They then call my step sister who is the cosigner and myself and family making threats they will get me fired from my job since i work in the XXXX system, they threatened that i would have my wages garnished as well as threatened my step sister advising they will have her children taken away from her. Now if i recall those tactics are unlawful and illegal to try and extort a customer for a payment.
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (PA)

hello. i just received 4 notices through the mail, that was sent to my old address. they are from - cedars business services , llc. - XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. 1. file # XXXX {$390.00}. ( 2. # XXXX {$390.00}. ( 3. # XXXX {$390.00}. ( 4. # XXXX. {$390.00}. im assuming it is a traffic or parking ticket that i have no knowledge of. from XXXX. i havent been there in XXXX years. and the amount is quite staggering. im a XXXX military vet, with head & neck XXXX. i need help in this matter. thank you ssg XXXX XXXX.
Consumer complaint received 2022-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-06-12
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. (NM)

See complaint XXXX. 
Equifax has had almost 90 days to resolve this issue on my credit report and now they tell you it will be yet another 30 days for them to " finish their investigation ''. Both XXXX   and XXXX  have removed this account from my report, which is a time-barred collection ( zombie collection ) and should never have been on my report. 

I am unwilling to wait yet another 30 days for Equifax to do nothing. The proof has been submitted several times to them and you. I want this off my credit report and a physical copy mailed to my address as they will not allow me to access their online system.
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... Chase Mortgage refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on Chase 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX,  Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; Equifax XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at Equifax as well. 

XXXX XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America XXXX was closed out by Bank of America. XXXX has charged a {$75.00} annual fee the month prior to deciding to close out my account. I have requested that BAC reverse off the annual fee which they are refusing to do so. 

I have talked to XXXX area on this account and reversing off the annual fee. I 'm being told that they will not reverse off the annual fee nor provide the agreed upon benefits for the card since they closed out the account and it has a balance on it. 

Bank of America is assessing me an annual fee that would provide benefit of new mileage points, discounted companion fee and free checked bags on XXXX. Since this account is close none of those benefits are provided. 

I requested that they product change to a no fee card. Once again this was refused. 

I have to question the legality and ethical behavior behind charging an annual fee on a card and not providing the benefits associated with that card. 

The last contact I had from a supervisor XXXX XXXX XXXX is that they have a contractual agreement with XXXX to charge the fee even when the account is closed. 

All my requests to have this escalated up to a XXXX level at Bank of America have also been stonewalled by representatives. It would appear that the institution is doing their best to not have the customer talk to individuals who can actually make an informed decision.
Consumer complaint received 2024-03-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (KY)

I have numerous complaints regarding this loan servicer. 

1. They have been increasing the interest rate quarterly since XX/XX/XXXX, and I contacted them on XXXX XX/XX/XXXX to ask why my payment increased. They have not given any notice of interest rate increases since this date and my montly payment has increased from {$210.00} per month to now {$460.00} since this date. I'm being charged roughly {$330.00} in interest per month ( now 11.91 % ) and my balance has not fallen under {$37000.00} for years. I've had to take forbearance for a time, which I know did affect this- but I had to take forbearance because I could not afford the increasing payment and they will not work with me on creating a more affordable payment program. I don't think I'll ever get ahead on this loan because the interest is unreasonable! I've contacted them many times- XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All attempts to lower monthly payments/ make my payments better count towards my principle balance because I have XXXX federal loans on top of this one. I entered repayment on this loan in XXXX with a XXXX balance - I now owe XXXX. That's with a mostly consistent repayment- with a few forbearances due to XXXX/work changes. I don't think this student loan will ever be paid off because they keep raising interest rates on a quarterly basis. Which is something the bank employee did not prepare myself or my co-borrower for when we met with them in person. I've been told that I should refinance and then told separately that I do not qualify for refinancing. There is zero help offered to borrowers here. 

XXXX. Both myself and my co-borrower, XXXX XXXX, have noticed that this loan is showing as settled/closed on our credit reports and negatively affecting our scores. As I have never settled this loan and as I have also been making on-time payments since coming out of XXXX XXXX  XXXX XXXX XXXX XXXX is obviously not a closed account. 
My credit report is showing that the account was closed in XX/XX/XXXX and has not updated with my on time payments from XXXX and XXXX. The comment line on this entry on my report reads : " Account closed at credit grantor 's request. '' As I graduated in XXXX and am still in repayment- this should not be showing as a closed account in XXXX as I " separated '' from the school in XXXX. And further- we should be told if something is going to affect our credit scores YEARS after separating from said school. No need to harp on how important credit scores are to those attempting to rent, buy a car, buy a home, etc.
Consumer complaint received 2022-04-03
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. (IN)

I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Consumer complaint received 2022-04-03
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: EQUIFAX, INC. (IN)

I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NY)

I recently checked my credit score and I have a debt on my report of XXXX for common wealth which when I looked it up it is a collections. This does not share anything in common with any of my other debts after reviewing my scores and would like it to be discharged.
Consumer complaint received 2022-04-03
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: CAINE & WEINER COMPANY, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (CA)

I sold my primary residence in XX/XX/XXXX and requested all utility services to be cut off by XX/XX/XXXX. XXXX XXXX, utility account # XXXX generated a final invoice in the amount of {$160.00} that was sent to my new address on XX/XX/XXXX, along with a communication that XXXX XXXX was pleased to inform me that I was eligible to receive a credit for any unpaid balances of my natural gas bill for the period of XX/XX/XXXX through XX/XX/XXXX due to the exposure and financial difficulties that I was experiencing due to COVID -19/ The eligibility to receive this one-time bill payment assistance was possible because of the Virginia Coronavirus Aid , Relief and Economic Security ( CARES ) Act. At that moment in time, I was impacted financially due to a reduction in business and work hours, therefore I completed the paper form requested by XXXX  XXXX for this one time bill assistance and mailed back via USPS. 

I did not hear back from XXXX  XXXX, therefore I assumed that my bill was satisfied and account closed. On XX/XX/XXXX, I received a letter from Nationwide Credit Corporation, the collections agency that acts on behalf of XXXX  XXXX stating that I had an outstanding balance of {$160.00} that needed to be paid immediately and that this balance was already reported in my credit score to the credit bureaus. After some research, it was determined that XXXX  XXXX never processed my Covid19 relief request and then sent my account to collections. 

The account was paid in full to XXXX  XXXX on XX/XX/XXXX, confirmation # XXXX but the collection process is still showing in my credit report, negatively impacting my score and ability to acquire future credit.
Consumer complaint received 2022-04-03
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)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights 15 U.S.C 1681 section 602 A : Which states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-03
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: CCS Financial Services, Inc. (OH)

Credit Collection Services is showing a collection reported by XXXX XXXX XXXX company which does not belong to me. I have provided supporting documentation that proves the policy was cancelled in writing and a new policy was obtained through another carrier ; they have neglected to remove the collection from my credit report. XXXX XXXX owes me the balance of my policy that was unused prior to the cancellation and they have not rectified this issue. I want my credit report to be corrected.
Consumer complaint received 2022-04-03
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. (CT)

XXXX XXXX  previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting 120-day lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. 

This needs to be resolved immediately as this unprofessional sloppiness and the months it took for XXXX XXXX to fix the previous XXXX XXXX  mortgage balance that never existed, and previous false lates created lots of damage. These 2 false 120 day lates on 2 mortgages that were approved for loan modifications and more, cased considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other XXXX XXXX  customers for a class action lawsuit and complaints to banking commissioner.
Consumer complaint received 2016-05-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

For the second time Freedom Mortgage has misreported information to the credit agencies. We completed our refinance with Freedom mortgage and closed the previous loan. Freedom mortgage has reported a 30 day late notice on a loan that closed and paid in XXXX of 2016 ( XXXX ). On XXXX XXXX, 2016 my wife and I both received 30 day late notices on this " closed '' loan. Freedom mortgage has also incorrectly reported our loan balance to the credit agencies. They ( Freedom Mortgage ) have added the paid interest to the loan instead of reporting the payments made. Both these items have a negative impact to our credit reports.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I asked company for purchase agreement of this alleged debt to show that they owned this debt and could legally collect on it. They provided me with the purchase agreement and it says they brought this on XXXX XXXX. I live in Maryland In Maryland, debts must be collected within a certain time. If you owe money to someone, the person is called a creditor, and what you owe them is called a debt. The creditor generally has 3 years ( 4 years if the debt is owed for the sale of goods ) from the date the debt becomes due to ask the court to order you to pay. A court order to pay a debt is known as a judgment. If the creditor does not go to court within the time limit, then the court generally will not order you to pay the debt. 
Today is XX/XX/2024 which puts the time frame at almost 4 years XX/XX/2024 will make 4 years. The time period to collect on this debt has past according to my state laws.
Consumer complaint received 2024-03-26
Product: Credit card — Store credit 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: CITIBANK, N.A. (WA)

I made a purchase with my Macy 's store credit card for an item on XXXX Order # : XXXX. I never got the item, it was lost/missing and the tracking number was not working. I had two call / chat with them several times for hours on end. They told me to check in 24 hours, then 48 hours, then they said they would reship in 3 days, 10 days, 15 days. After I said I would file a CFPB complaint, they reshipped the item. The tracking for that item was also a dead link! The item is not in transit. I contacted them again and they said I wait to wait 48 hours, then they said 24 hours. I just want a refund to my credit card at this point. I've spent hours and hours troubleshooting this with them. I'm about this pay this off on the credit card but I have no item.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.