davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Farrell Holdings, LLC (NV)

I wrote to this company XX/XX/XXXX, and I received a response back XX/XX/XXXX. However they are requesting more information when other companies search in their system with less. I provided my name and address which should of been more than enough information to search any information of me in their system. Im not comfortable giving any more information out because I dont remember the credit inquiry.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX I went to see about a vehicle though XXXX XXXX and I gave them permission to run my credit once. After a week I seen so many hard inquiries and I was calling and writing companys saying I didnt give you all permission to pull my credit. They said well XXXX XXXX said to pull it. I asked them if they could take this off since I didnt ask them to pull my credit and they stated yes. And I have looked and everything is still in there. In may I purchase a car through down XXXX and got approved from there company called XXXX XXXX XXXX There should be only that and XXXX on my hard inquiries and there is 20. Im being hurt by all this credit issues
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Greetings to whom may concern ... I recently had my account seized for child support payments. I know you do not give legal advice, but my complaint comes from an USAA employee, XXXX XXXX, willfully released my information ( SSN, drivers license, address, and my full account to my checking and savings ( which also by laws states they can't go into your savings only your checking ) to the Texaschild support agency without my acknowledgement on XX/XX/2019. My accounts were frozen on the XX/XX/2019, because of such an act I have been living off of XXXX XXXX bucks for two weeks. They didn't even notify me of such illegal practices..yet The bank, USAA website states XXXX we don't sell your information '' " your information is confidential. Yet they violated my rights under Title 42 USC Chapter 7 408 ( a ) ( 1 ) social security disclosure is a felony ... under Privacy Act of 1974 ( 5 USC 552 sect. 7 ( a ) states " it shall be unlawful for any Federal, State or, local government agency to deny any individual any rights benefit or privilege by laws because of such individual refusal to disclose his social security number '' And also violation of " 42 USC 1983 under the color of law '' I will also be applying a letter to the CEO of the company and hopefully resolve this matter.
Consumer complaint received 2022-08-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NJ)

PHH has effectively kept me from obtaining a loan modification, for which my mortgage loan qualifies. I had always made my mortgage payments on time every month, but when I suffered an unforeseeable job loss, I saw that it was going to be impossible to stay current with my payments. I was given a forbearance agreement which I accepted and started making the payments. Unfortunately, I also had to make payments to the bankruptcy Trustee and it was impossible to keep up with both payments. I had to stop making payments and tried to work with PHH Mortgage to get a loan modification, but they would not work with me since I was in bankruptcy. My delinquency has now grown and I am afraid that I will not be able to get into some sort of workout option. PHH Mortgage has definitely received all of the money I should have paid them as I was put into an interest only loan when I bought my home. I definitely was taken advantage of and would have never taken that loan if I realized what I had signed. PHH Mortgage has never provided me with a single point of contact and they are refusing to work with me. I have never had a loan modification on my loan and I make enough money for a reasonable payment, so I must assume that PHH just wants to take my home away to capture the equity that I have in the home. I am extremely upset and frustrated with PHH as they are sending my loan through the foreclosure process and I need help to keep my home for my wife and children. My financial situation has turned around and I am out of my financial distress. I am hoping that you can look into how they are treating me and help me keep my home.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I did a credit consolidation and completed the program, all debts " paid as Agreed ''. The creditor is reporting that there is a balance of {$2800.00} and that it was " charged off/bad credit ''. That is incorrect, it's XXXX balance, " paid for less owed/settled ''. Please report to credit bureaus correctly, as it affects my credit rating/profile.
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MD)

XX/XX/XXXX I logged into my care credit card account to make sure my available credit was still where it was as I have upcoming dental work and I noticed my care credit limit was decreased from {$6000.00} to {$500.00}. I called into synchrony bank, care credit to get my limit corrected and they refused. So I closed my account. I am incredibly angry and upset that they refused to correct their mistake. Horrible customer service!!
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XXXX XXXX XXXX XXXX attorney, XXXXXXXX XXXX XXXXXXXX filed a writ of garnishment on me for a capital one debt that was dismissed in 2018. They failed to notify me by first class mail within 5 days of the filing. They did not attempt to have me served with the writ at all. They had XXXX XXXX  taken from my check through my employer without even notifying me of a debt, receipt XXXX through XXXX XXXX XXXX XXXX. They failed to provide me or the court with a copy of the judgement they say they were awarded XX/XX/2018. They mailed a large envelope of another person 's legal matter to me by accident in 2018. They are harassing me for a debt that was already dismissed and failed to follow the fair debt collection practice act. This was published on our courts website as a wage garnishment and it's not accurate. They're deceptive collection practices are unlawful and violate my rights. The bottom of the attached file states they would notify me by certified mail within 5 days and they failed to do so. An attempt was not made to notify me at all.
Consumer complaint received 2022-08-29
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: AMERICAN HONDA FINANCE CORP (TX)

In accordance with the fair credit Reporting Act American Honda Financial account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-02
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)

I am submitting this CFPB Complaint to you today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX 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 2021-08-22
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. (CT)

ACCOUNT NUMBER : XXXX XXXX XXXX XXXX i wrote to XXXX XXXX XXXX on XX/XX/XXXX to request a debt validation for debts being reported on my credit report. It has been over 60 days since i wrote to them and they have willfully decided not to respond which is a direct violation of my FCRA rights. their failure to respond therefore is an absolute waiver of any and all claims against me and therefore this debt should be deleted with immediate effect and the records of the deletion furnished to all consumer reporting agencies which it has previously furnished this information to. Please be advised that this is my 3rd written request to you and that i fully intend to pursue litigation AGAINST XXXX XXXX XXXX in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that i may be entitled to under section 616 and section 617 regarding your negligent and willful noncompliance.

BELOW ARE EXAMPLES OF CASE LAW WHICH HAS BEEN DECIDED BY COURTS IN THE UNITED STATES WHICH GOVERN THE DISPUTEWHICH WE ARE FACED WITH. READ AND ADVISE YOURSELF ACCORDINGLY ON WHAT YOUR RIGHTS ARE AND WHAT CONSTITUTES REASONABLE PROCEDURES TO VALIDATE A DEBT.

United States Court of Appeals, Ninth Circuit. Linda L. CLARK ; Jerry V. Clark, Plaintiffs-Appellants, v. CAPITAL CREDIT & COLLECTION SERVICES , INC., an Oregon corporation ; Janine Brumley ; Jeffrey I. Hasson, Defendants-Appellees. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants-Appellants, Jeffrey I. Hasson, Defendant. Linda L. Clark ; Jerry V. Clark, Plaintiffs-Appellees, v. Capital Credit & Collection Services , Inc., an Oregon corporation ; Janine Brumley, Defendants, Jeffrey I. Hasson, Defendant-Appellant. Nos.04-35563, 04-35795. Decided : August 24, 2006 745 N.E.2d 862 ( 2001 ) Greg A. SPEARS , Appellant-Plaintiff, v. Timothy L. BRENNAN , Appellee-Defendant.
Court of Appeals of Indiana. March 26, 2001. Attorney ( s ) appearing for the Case Clifford W. Shepard, Consumer Protection Law Offices, Indianapolis, IN, Attorney for Appellant. Thomas J. Grau, Carol A. Nemeth, White & Raub, Indianapolis, IN, Attorneys for Appellee. 


ATTACHED ARE COPIES OF THE LETTERS WHICH I WROTE TO XXXX XXXX XXXX I HAVE ATTACHED THE INSUFFICIENT DEBT VALIDATION THAT WAS SENT BY XXXX XXXX XXXX WILLFULLY AND I HAVE ALSO ATTACHED A COPY OF THE LETTER I WROTE TO THEM
Consumer complaint received 2021-08-22
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: TRANSWORLD SYSTEMS INC (AZ)

When I originally accepted this loan, in XXXX, the provider 's name was XXXX XXXX XXXX now its University Accounting Service LLC. The loan amount requested was $ XXXX. I had good to fair credit at the time not great. It was somewhere between XXXX to XXXX. I was told I had to have a $ XXXX origination fee if I got approved, and I would have to have a cosigner. I was told as long as I made 12 straight payments on time, then my cosigner would be taken off the loan. That never occurred and I did make 12 consecutive payments on time as agreed. I was never informed or understood that my interest rate was variable and how it was calculated. I was informed if I ever had economic hardship or needed an income based payment plan the lender would provide those options. While they have gave me some forbearance options, they have never offered me an income based payment plan. My balance over the years has gone from $ XXXX because of the Origination fee to about $ XXXX though I have paid {$13000.00} towards the loan to date. I have begged and pleaded with the originator to provide me with more reasonable monthly pay back options that will allow me to get the balance down and and they refused to. The payments have been {$600.00} to {$800.00} a month to which I have responded over and over I cant afford. I have been able to negotiate an interest only payment at times but the balance keeps getting higher and higher with no solution available. My cosigner back in XXXX even offered a $ XXXX negotiation payoff of the loan on top of the thousands I have already paid on it and it was denied. That means they would have received in total about $ XXXX for only lending me $ XXXX. So they would have doubled their money back. The seller of this loan took advantage of me when I was in need. Even the original loan documents have been changed in the system. The documents I originally signed all reflected My XXXX XXXX, the documents they have in my profile now are reflecting University Accounting Service LLC, which I had never heard of back in XXXX when I accepted this loan and signed off on it. I am trying to find my original loan paperwork. I mean they have taken the time to change the paper work in the system and upload it. Its Straight fraud.
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (KS)

They go by the name of CBE, located out of XXXX XXXX, IA. They repeatedly call me even though I have absolutely no unpaid debt. The have called on XXXX XXXX XXXX XXXX and XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) all using different numbers and I had to pay for a call filter just to get some sleep.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

I had moved to overseas on XX/XX/2015 and I used live in XXXX and while I was in XXXX temporarily, I think my information was stolen and someone ( Maybe my room mate ) had used my information and opened a card and never paid. 


WF Acct # XXXX
Consumer complaint received 2019-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

I'm disputing a debt because I do not owe it to the client. This debt has been paid. I submitted the payment of the amount of {$310.00} by phone on XX/XX/2018 as usual. I received a confirmation email from customer service the day XXXX submitted the payment ( which I still have in my possession. ) To my surprise, a few weeks later, I received a letter from a collection agency. I was confused and called them. They told me that the payment didn't go through. No one informed me, no one emailed. My payments always have gone through. I don't understand why this one didn't. Now I have been penalized with interest and late fees, just because someone in customer service failed to inform me about it. Shame! Unacceptable!
Consumer complaint received 2019-01-21
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. 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 2022-09-02
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: Experian Information Solutions Inc. (TX)

I am submitting this CFPB Complaint to you today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  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 2022-08-29
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. (GA)

I have been submitting multiple letters as CFPB complaint requesting that the Credit Bureaus reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2017-06-29
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. (AZ)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made :  XXXX   XXXX   XXXX  - Account #  XXXX
Consumer complaint received 2022-08-29
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. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX AXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # 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