davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

After going through a bankruptcy in XX/XX/XXXX I chose to use capital one to help and repair my credit. Advertising showed they had good cards and auto loan programs for people trying to make a fresh start for themselves. In XX/XX/XXXX I was able to get into a new vehicle with high interest through capital one. XX/XX/XXXX I was able to trade towards a nicer vehicle with much better interest but capital one reported me late for the final payment that was due on XX/XX/XXXX. They also allowed a second loan to be issued on this vehicle before paying off the other. After numerous disputes it still shows a negative mark on my credit. 

In XX/XX/XXXX I opened an unsecured capital one MasterCard with a {$300.00} starting limit. After 5 consecutive on time payments i was automatically increased to {$500.00}. I have maintained perfect payment history and have only paid the minimum for 3 of the 13 payments I have made. 5 payments were complete payoffs also so the balance hasnt always been carried. XX/XX/XXXX I asked for my first increase, 14 months after opening the card. Perfect payment history and recently paid down to 10 % before asking for increase. I was denied and sent a letter stating my average monthly payments were not enough. 

I made several calls to the customer service center and every time was told to just reapply using the automated system. I was also told every time you ask they have a department that looks through your credit report although it states a credit pill will not be used. I asked to speak with a supervisor on two occasions and was granted. First one was unable to answer any questions and was extremely rude. After asking him to cancel my card he closed my entire account. I called back the next day and explained the situation to several different people. Every time they would say, just reapply online, or the app, or I can transfer you to the automated system. Finally the second supervisor spent all this time looking into my account, reading though my private transaction history and making excuses about every question I asked. I asked several times for someone to explain the average monthly payment percentages to me but nobody was able too. I finally asked to speak with a higher up supervisor or manager to file a complaint and she told me that she was the highest one available. I explained I didnt feel comfortable filing an ethics complaint against the person who wanted to take my complaint. She refused to transfer me to another person or to a Human Resources department and finally hung up on me.
Consumer complaint received 2022-12-01
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. (FL)

In Accordance with the fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX 15 U.SC 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681c. ( A ) ( 1 ) States no consumer reporting agency may make any consumer report containing any of the following items 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 ) States that a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
LVNV FUNDING LLC XXXX Balance {$580.00} LVNV FUNDING LLC XXXX Balance {$600.00} LVNV FUNDING LLC XXXX Balance {$960.00}
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OH)

Hello, I applied for PSLF in the summer of 2023. 
In XX/XX/2023, I received a Letter stating I had XXXX payments. 
I then get a letter stating the loan amount I was forgiven with an amount that was needed to be credited to me. 
My studentaid.gov account showed XXXX due. 
Mohela showed XXXX due. 
The loans were off my credit report. 
Then XXXX week ago, I get an email stating a new payment was due, and all my loans were reinstated. 
The outcome I want of course is for my student loans to be forgiven as stated in their letter. 

Appreciate any and all your help. 

Thanks
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX is reporting that I was 90 days late on XXXX different loans in XX/XX/XXXX, though my XXXX payment is on time. 
I have disputed with the company, spoke to reps, mailed letters and to know avail. 
In addition : This account is a billing error. A creditor that fails to comply with the requirements outlined in the fair credit billing act forfeits any right to collect from the XXXX. 

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 Defines a finance charge. I respectfully request your company provide me with the documentary evidence that clarifies this billing error.

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( XXXX and ( XXXX ) of this section.. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I DO NOT consent to furnishing any negative information to any non affiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court input and XXXX my versus XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-10-14
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: Experian Information Solutions Inc. (IL)

Experian and XXXX have not complied with the provisions of the FCRA regarding blocking information from a consumers credit report when they have provided all the documentation to support a claim of ID theft. I have provided additional documentation from XXXX that affirm that my information was compromised in XXXX.
Consumer complaint received 2022-10-15
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. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( 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
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

My annual fee for XXXX XXXX was due and I sent a letter to request close my account and credit the annual fee back to my account. Since I have auto payment set up, XXXX XXXX XXXX XXXX card charged my {$95.00} and then closed my account. They never credit the annual fee back to my account. I am requesting Barclays to credit the {$95.00} annual fee back to my account. Thank you.
Consumer complaint received 2020-02-25
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. (CO)

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2021-06-15
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. (NC)

Numerous inquiries are appearing on my credit report as a result of identity theft. These items we're disputed with equifax on XX/XX/2021 as a result of fraud. A total of 7 fraudulent inquiries appear on my credit report.
Consumer complaint received 2020-02-25
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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, # XXXXXXXX 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, 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.

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Consumer complaint received 2020-02-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC (FL)

What is this complaint about? 
This complaint is regarding Capital Collection Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX refusing to validate a debt associated with my name. 

What type of problem are you having? 
Capital Collection Services has refused 2 requests to validate a debt associated with my name. 

I suspect this is associated with a balance of {$170.00} the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Florida states I owe them. I personally went into their office in XX/XX/2019 to personally discuss and challenge this with the XXXX XXXX, the principal owner. She and her billing associate stated they would investigate these charges with my insurance company, seeing as I had already paid over {$2000.00} if fees for services along with the {$300.00} paid by my insurance company. XXXX XXXX said they would follow up with me. I received NO communication from them since. The only communication I have received is from Capital Collection services who is totally ignoring my request to validate this debt. 

I challenged this debt with Capital Services along with XXXX XXXX XXXX and they have yet been able provide support documentation to validate this debt. 

I still formally challenge this debt and request validation. I do not owe this debt. 

What happened? 
Instead of honoring my request to validate the debt in question, they reported a negative tradelines against me to the credit bureaus. 

What company is this complaint about? 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX Credit Collection Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Who are the people involved? 
My self Credit Collection Services XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

The Debt Owed was Paid Directly to the OWED Creditor XXXX XXXX However the Collection company Is trying to stay on my report they had no involvement In collecting this debt now as I aware of them until after XXXX was paid I want the Remark DELETED from my consumer report
Consumer complaint received 2019-09-27
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. (WA)

I spoke to XXXX XXXX XXXX on multiple occasions and they said the 5 accounts that are showing XXXX balance and open have been settled and was promised to be removed and will be removed. They said the easiest way is to dispute and it should be removed with no problem being they are already at XXXX balance which means there is nothing owed and settled. I had a total of 11 accounts that reported at XXXX balance from XXXX XXXX XXXX XXXX removed all and TransUnion only removed 6 of the ones I disputed and left 5. I have disputed and requested for removal 5 times thru trans Union and they still will not remove. XXXX XXXX XXXX agreed and promised removal so I would like the remaining 5 XXXX XXXX XXXX accounts that is reporting at XXXX balance and open on TransUnion to be removed like promised. 

I also have another account with XXXX XXXX XXXX for {$76.00} that was paid in full on XX/XX/2019 that needs to be removed because it has been settled. I have called and also disputed thru TransUnion customer service and they are rude and no follow up or they say there is nothing I can help you with. Every time I dispute thru TransUnion it seems it takes multiple times and longer then it should for them to follow up with me and give status.. XXXX has been amazing and very efficient and quick on disputed and following up
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Good Afternoon, We XXXX and XXXX XXXX have tried unsuccessfully to come to a resolution in order not to lose our home. We have been in close communication with SPS explaining why our mortgage fell behind but we are still receiving letters indicating there are no available options to assist us. XXXX XXXX has been gravely ill over the past few years and I have attached his medical records showing the dates of all of his medical conditions. ( XXXX XXXX XXXX/XXXX  XXXX XXXX ) I have also attached a letter of hardship to this complaint which explains more in detail. We were placed on a forbearance agreement in which I XXXX XXXX XXXX worked very hard to make all of the required payments up until XX/XX/2019 which is when my mother passed and I had to utilize all available funds including my mortgage payment in XXXX to attend my Mother 's funeral. I have also attached a copy of my Mother 's Obituary that includes the date of her passing.
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. (WA)

I have sent in countless documents advising them of my address, however they continue to display this erroneous information. I've even went as far as XXXX  the address and sending them a picture of it to prove one its not address nor is it even a residential property.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXXXXXX, # 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, 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. 
















s
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. (CA)

Since nearly 60 years ago I've been harassed by a collection company that has medical bills having nothing to do with me I've asked for reports and proof and nothing has been furnished they are in violation of the fcra reporting laws and federal debt collection act. Please produce original signatures or stop harassing me and remove it from my credit
Consumer complaint received 2020-02-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (OH)

Hello, I am trying to refinance my first mortgage and shellpoint mortgage services has my second mortgage. I need to subordinate the second so i can refinance my first. I along with my lender and title company have been trying to get a hold of someone to get us the subordination requirements and steps that need to be taken. Every time we call and get transferred to the subordination department it is a voicemail and we leave our contact info but no one ever call us. The same with the email. We have sent many requests via email with no reply.
Consumer complaint received 2020-02-25
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: LEXISNEXIS (GA)

My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.