davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
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: EQUIFAX, INC. (MO)

I am filing this complaint because XXXX XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2018-08-29
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. (AR)

in XX/XX/2018 I disputed an inaccurate account with XXXX, Experian, XXXX. The inaccurate account was XXXX XXXX/ XXXX/XXXX account # XXXX.All three credit bureaus stated that the account is verified, The inaccurate account is charged off and I've asked several times sent in letters to all the credit bureau for the method of verification because the account is charged off and the account was sold to a outside agency. And I have yet to get this information about the lender that bought the account.. XXXX and Experian and XXXX has failed to send me the method of verification on this account, How are yall verifying the account when it is charged off and was sold to a outside lender,, but all the failed to send me the Method Of Verification. my rights have been violated ... .and they need to remove this account from my credit file ... they failed to send me proof the account and failed to send me the method of verification,
Consumer complaint received 2018-08-29
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. (WA)

Mortgage was not " foreclosure '' but was given back in chapter XXXX bankruptcy. XXXX XXXX Loans continues to purposely misreport as " foreclosure '' when they know it was included in bk. BK is over XXXX years old and XXXX can not report negative info in any fields on credit report. Fix this immediately or I will see you in court. Chapter XXXX bankruptcy was discharged XX/XX/XXXX case # XXXX Original mortgage was with XXXX and was filed as such in bk. XXXX purchased the loan several years AFTER the home was given back to XXXX under the protection of bankruptcy courts. I offered to reaffirm the loan however the courts did NOT approve the reaffirmation. Therefore it was NOT a foreclosure and WAS and IS protected under the federal bk courts which you are knowingly and willfully disregarding thus violating my rights.
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation (PA)

XXXX is trying to get payment for things that were discharged By XXXX XXXX   almost a year ago and proof is enclosed. XXXX put these charges in collections. Please stop them from doing this. They were informed these aren't my charges
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (MD)

I have no business with this company and have no outstanding debts that aren't being paid. I check my credit report regularly and have no negative information. My parents may owe someone something and I have been tracked down as a relative, that's my only thought. If true, they need to deal with them. The company is well known for being rude and making threats.
Consumer complaint received 2018-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC. (FL)

The collection agency knew the amount was in dispute and still reported to the collection agency that I owe the debt. The collection agency sent me a paper that clearly says XXXX   XXXX is 100 % responsible for payment. I did not agree to pay for any services since I did not request it and I was fully insured by XXXX XXXX. I am requesting they remove the debt from my credit reporting agency and or clearly mark this debt is in dispute by customer. 

The collection is in bad faith and unethical knowingly reporting a debt it knew I was placing in dispute. IMMEDIATE ACTION IS REQUESTED!
Consumer complaint received 2018-04-04
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: LEXISNEXIS (WI)

On XX/XX/XXXX I sent in a police report and a copy of a letter I received from the bankruptcy court stating that all the credit bureaus including lexis Nexis get my information from a pacer system and not he actual bankruptcy information from the courts. 
Lexis Nexis refuses to delete the bankruptcy from there records permanently. 

In XX/XX/XXXXand XX/XX/XXXX I was a victim of extortion a girl used me for money which is why I filed a chapter XXXX they claim the bankruptcy needs to stay on my report XXXX and I strongly disagree. 
the person XXXX XXXX took advantage of me I had no choice
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I have no change to my credit report, no identity theft complaint, i've made my payments and have no derogatory report with Citibank or any credit cards. Citibank is forcing me to make minimum payment only by punishing me for paying off a larger amount on my card. I made a substantial pament and withing 10 hours they reduced my credit limit therefore hurting my attempts to grow my credit score and to make sure I don't do it again and have to continue making minimum payments. I was punished for doing a good thing. They say it was a " coincidence '' that they ran a report a few hours after paying down my card which is a lie. They now have me fearful of making any more payments larger than the minimum due out of fear I will be punished again by reducing my credit limit.
Consumer complaint received 2024-02-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (HI)

Because I was operating a short term rental, a {$10000.00} fine was imposed on me. Without notice, I was contacted by Aargon Collection Company to pay the debt. I was offered a reduction in the fine of {$5000.00}, but later learned that that was only if I paid that amount right away. After constant and repeated calls even when I asked that they stop, I agreed to a payment plan thinking it would be for the {$5000.00}, but again, later learned that the financing would be for the full {$10000.00}. In order to stop the calls, I agreed to a payment plan and am currently paying $ 150 monthly. There has never been any written agreement provided so unfortunately do not have anything to provide. Everything has been verbal over the phone.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a some addresses on my report that are not mine. My name is XXXX XXXX. XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX ( XXXX XXXX ) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE ( 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 2018-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

In XXXX of XXXX I took out a XXXX loan as a parent for my son at XXXX University XXXX, Ohio He graduated in XXXX and payments began In XXXX, Navient suddenly and without warning took over this loan I went from being eligible for XXXX, XXXX Teacher Forgiveness Loan, and YES I qualified in every single way from my teaching experience and school district requirements needed to get this help But no, Navient says we are now PERSONAL loan, not Federal Sorry, you are not eligible! 
1. First off, when this happened in XXXX, I put in writing they just " took over '' this XXXX loan without any input from loan recipients like myself. There are SEVERAL states suing Navient for THIS very reason!! 
underhanded, sneaky and not forthcoming at all. 
Ohio has not joined yet but soon I heard Meantime I want a lawyer to sue these thieves They said THE only way I could lower my payments in XXXX when my husband XXXX was to refi the loan with THEM!!!! 
So strapped for cash because my husband 's XXXX meant I lost XXXX a month in money, I signed on. They KNEW they had me trapped ... : ( : ( I would like CFPB to give me a lawyer referral in Ohio so I can start my own class action suit I will sue for the XXXX I know I am qualified for in Teacher Forgiveness AND sue for 6 years of interest and the extension on my loan till I am XXXX XXXX XXXX ... ... XXXX!
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (NM)

On XX/XX/XXXX, I contacted Bank of The West to apply for a mortgage for a 2nd home. All went well - I received a letter dated XX/XX/XXXX that my loan application had been approved. I was charged for an appraisal in the amount of {$490.00} on the XXXX. 
All paperwork they required from me was sent in - I received a call on XX/XX/XXXX from XXXX XXXX at Bank of the West that we could the close as early as XX/XX/XXXX. I contacted the seller and informed them of the information regarding the close. 

On XX/XX/XXXX I received a call from XXXX XXXX at Bank of the West stating that the Condo Safe Questionnare, which was not sent to the management company until XX/XX/XXXX, had come back stating the PROPERTY didn't qualify. Not that I didn't qualify - the property itself didn't qualify. 

I contacted Bank of the West and filed a complaint stating they should have vetted the property FIRST to make the sure the property qualified BEFORE ordering an appraisal. If the property didn't qualify, if they had done their due diligence, even if it caused the loan process to take longer, then that information would have saved me time and money. Now I have wasted the entire month, and also incurred a needless appraisal fee. 

I requested a refund of the appraisal fee from Bank of The West because they should have vetted the property and sent the Condo Safe Questionnaire IMMEDIATELY to the property manager. An appraisal should NOT have been ordered until they knew that the property would satisfy their requirements. 

Bank of the West is refusing to return any/all of the appraisal fee, which I think is totally unfair and inappropriate.
Consumer complaint received 2022-07-09
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Love, Beal & Nixon, P.C. (OK)

XXXX I was served a summons for payment on a debt. I signed and agreed. 
In XXXX of XXXX, I agreed to making payments to company. The judge agreed and signed off on payments. I paid every month. The company never responded to payments made online on their website and they did not give receipts. Court papers show payments were made in the amount of total {$300.00} on an {$1100.00} debt. 

XXXX the company started a garnishment on my wages stating I now owed XXXX. This was not reflecting the {$300.00} paid. They garnished my pay for the total amount including my bank account and job paycheck. The document states " Plantiff is NOT seeking continuous garnishment '' XXXX The company garnished again for {$540.00} XXXX after all debt was paid, the company garnished another {$570.00} with no explanation nor communication to me. They just took the money after the debt was settled and done. 

XX/XX/XXXX Now I have received a statement from my new job that they are garnishing again for another {$820.00}. They have no contacted me nor tried to settle any additional debt, but now this document reads " Plantiff is seeking continuing garnishment ''. The debt they have previously garnished has more than enough settled the original debt but they have not closed the debt or account and continue to garnish my accounts every year for the same debt.
Consumer complaint received 2018-08-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: VALLEY NATIONAL BANCORP (NJ)

Valley National bank has charged me fees when I transfer money from my XXXX account. Each time that I transfer from XXXX, it says it is free. Valley national bank did not provide information that they charge fees when using this mobile service, XXXX.

I have been charged for over 20 dollars.
Consumer complaint received 2018-08-29
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. (IL)

On XX/XX/XXXX, I contacted XXXX, Equifax and XXXX  in regards to an item that is appearing on my credit report from a company called XXXX XXXX XXXX. I mailed letters to each of the three credit bureaus, letting them know that the information that was reported is incorrect. These letters were mailed certified XXXX and I received confirmation that they were delivered to their respective addresses successfully. On XX/XX/XXXX, I received notification from all three credit bureaus, that XXXX XXXX XXXX was contacted in regards to the debt that is being reported, and the debt was validated and they stated that it was being reported correctly. The information that is being reported is not being reported correctly. They refuse to explain to me how the debt was validated after multiple phone calls and letters requesting the above information
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

This company originally reported this item to the credit bureaus back at the beginning of XX/XX/2017 I disputed this item with them as well as the credit bureaus they ended up deleting this item and sent me a notice saying they would stop collection attempt and remove it from my credit file in XX/XX/2017 this is my last attempt trying to get this item removed before I file suit since they failed to verify this item and send real reporting items that have my signature for this item.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

have talked to capitolone supervisor andhave sent letter to corporate office with no response all can be seen on accountand payments set with supervisor at capitol one, interest fees to high and payment not being reported and late fees 5 times in a row for XXXX even though make payment ofXXXX that wasagreed to.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

XXXX XXXX XXXX XXXX is demanding that I get a credit card from US Bank which is a substandard credit card company and has many complaints filed against it. 
To give you a background of my concerns, a couple of years ago, US Bank was incompetent on reporting a hotel charges on a credit card account I had to usein a timely manner. They reported me late due to their negligence and tried to ruin my A+ credit. It took them over three months to correct. Not only this, they charged the account for {$80.00} for some perk program I declined. I tried to get them to remove and waive it which they refused. I ended up paying it out of my pocket to ensure my credit didn't get blemished. Now XXXX XXXX is demanding I get this credit card on my credit rating which I do not want associated with my credit. 1. US Bank is a client of XXXX XXXX and there is a conflict of interest here as there are others who clients whose credit cards are not considered. 2. US Bank is a credit risk to my credit ratings. 3. US Bank is a reputational risk to my credit along with others along with XXXX XXXX. 
If I must adhere to XXXX XXXX 's compliance which advises employees to point out reputational risk and conflict of interest which they choose to ignore, how do I make sure US Bank is not connected to my credit? Is there a waiver I can sign to ensure that US Bank does not report this card on my credit? I work too hard to keep my credit at an A+ status.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV Funding, LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the unauthorized addition of a delinquent account to my consumer credit file. 

Details of the complaint are as follows : **Unauthorized and Fraudulent Credit Profile : ** While reviewing my recent consumer credit file, I discovered an unauthorized and fraudulent credit profile listed by LVNV Funding , LLC . I did not authorize anyone employed at your company to view or add a delinquent account to my consumer credit file. This action is a direct violation of the Fair Credit Report Act Section 1681b ( c ), constituting fraudulent activity and a serious breach of my privacy rights. 

**Verification and Documentation Request : ** I request LVNV Funding, LLC to validate the information listed in the credit profile mentioned above. Please provide copies of any documentation associated with these accounts bearing my signature, authorizing an account. Additionally, I demand the production of a contract between LVNV Funding, LLC and me, the consumer, bearing my signature, showing that I gave permission to furnish any information on my behalf. 

**Immediate Deletion of Fraudulent Inquiries : ** In the absence of documentation bearing my signature, I formally request that these fraudulent inquiries and the associated delinquent account be immediately deleted from the credit file maintained under my Social Security number by LVNV Funding , LLC . 

**Compliance with FCRA : ** LVNV Funding, LLC is obligated to complete this investigation within 30 days, as per the Fair Credit Reporting Act Section 611. I expect full compliance with the FCRA and timely resolution of this matter. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into LVNV Funding, LLC 's actions and ensure that corrective measures are taken promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Grain Technology, Inc. (NY)

I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Grain Technology, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law. 

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ).

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Consumer complaint received 2020-02-04
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. (AR)

There are multiple duplicated errors listed.Department Of XXXX, showing delinquent hsitory from over 7 years ago. The way that they are reporting is damaging my oppourtunitis to continue my education. 

XXXX XXXX XXXX is showing delinquent history over 7 years reporting. This account is paid as agreed. XXXX XXXX not mine, my account paid as agreed. 

XXXX XXXX XXXX is not mine belongs to my spouse. I don't recall signing this loan.