davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXX and on XX/XX/XXXX are still being reported on my credit report. I contacted XXXX XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX BANK, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX BANKs ( XX/XX/XXXX and XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX
Consumer complaint received 2022-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KS)

Hello, I am submitting another complaint against Specialized Loan Servicing for failing to pay my property taxes on time from my escrow account. I received a letter in the mail from the county stating that I had {$22.00} due from interest for failing to pay on time. An additional {$20.00} of interest was paid out of my escrow account that would not have been due if Specialized Loan Servicing had paid property taxes out of my escrow account in a timely manor. I expect for them to pay out of their own funds the {$22.00} amount due to the County as well as reimburse me for the {$20.00} in interest that was paid, but should have been avoided. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

In accordance with Fair Credit Reporting act XXXX XXXX  account number 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 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

ON XX/XX/2020 I attempted to obtain a VA home loan. When I checked XXXX, it showed that I had XXXX XXXX XXXX accounts with USAA. I was denied the loan. I contacted XXXX and they verified the reported information of the same date. I contacted USAA. This false reporting is violation of 807. False or misleading representations. USAA may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

The attached XXXX report confirms that USAA currently is incorrectly reporting that I have XXXX XXXX XXXX accounts.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a checking account and XXXX savings accounts with Capital One. My wife and I recently completed our estate planning and now have a family trust established as the beneficiary upon our deaths. I have been contacting all of our financial institutions to update the beneficiary. With 7 other financial institutions this has been an easy process and could be done online for all but 1. 

However, it has been difficult with Capital One because the company says they don't allow trusts as beneficiaries. These are our funds and I have the right to designate what happens to them upon our deaths. I have tried online and by phone but Capital One refuses to acknowledge our request. The phone representative said she knows this is a problem and she hears the complaints often but Capital One doesn't listen to its customers. 

Please assist in helping us ensure our funds go where we intend.
Consumer complaint received 2021-05-05
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a Capital One Credit that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-04-25
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: EQUIFAX, INC. (CA)

Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that FRAUDULENT inquiries that had been made on XX/XX/XXXXand on XX/XX/XXXX are still being reported on my credit report. I contacted XXXX XXXX BANK, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX BANK, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX BANKs ( XX/XX/XXXX and 1XX/XX/XXXX ) inquiry on my credit report to determine who authorized these hard inquiries. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiries. ( Do not send me anything via US mail. ) Please note that although the inquiries shown on my credit report are a factual record of the company who accessed and reviewed my profile and although they are only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiries referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with these FRAUDULENT hard inquiries. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX
Consumer complaint received 2020-12-15
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 — Problem with personal statement of dispute
Company: Trident Asset Management, L.L.C. (IN)

I disputed Trident Asset Management Acct # XXXX on XXXX by sending them a Debt Validation letter. They never responded. On XXXX I also sent XXXX an letter to Verify the Trident Asset Management account. Trident Management Asset verified with XXXX  but not with me. XXXX did not post on my credit report that I had disputed the account. XXXX should not have been able to verify an account that I was disputing with the creditor. I sent another letter to XXXX  on XXXX asking for verification of account and said XXXX  had removed the account. I sent a letter on XXXX to XXXX  stating that the Date of Last active with XXXX  and XXXX XXXX were not the same. Keep in mind I still have not heard from Trident Asset Management yet for verification of debt. On XXXX I sent XXXX  a letter stating that the Date of Last active was not correct, The date account was opened was not correct and the comments were not correct. This was based off what XXXX XXXX and XXXX were posting. On XXXX I filed a complaint against XXXX  with the Attorney General of Indiana for not following the FCRA in handling my complaints. On XXXX I sent certified Trident Asset Management a Debt Validation Letter. No response so far and they have not contacted XXXX  that I am disputing them. my Credit report does not reflect it either. Also XXXX contacted Trident Asset Management once again during this Dispute and Trident Verified the debt knowing I was disputing the debt. They reported the debt as valid to XXXX and XXXX  posted on XXXX that Trident Asset Management Certified that the information was accurate. I still have not heard from Trident Asset management about my dispute letters at all.
Consumer complaint received 2020-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (MD)

I applied for a {$500.00} payday loan in XXXX and was approved. Since, I have paid {$150.00} every two weeks for my loan..which in reality, is paid off. The company ( Cash Aisle ) wants me to continue to pay PLUS in order to pay off my loan I must pay {$500.00} plus the {$150.00}.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (AL)

Ref Regions Unauthorized Transactions Claim # XXXX. On Saturday XX/XX/2018 we discovered fraudulent purchases on our checking account that was made through a debit card. We cancelled the card ASAP and reported the fraud. We were advised to go in and file a complaint when all items had posted. My wife went to regions in XXXX Al on Tuesday XX/XX/XXXX. She spoke with XXXX XXXX and gave him a list of items that were on our account that we had not purchased. 4 of the 8 items  were in regard to play station. Upon completion of Regions claim my wife saw an additional charge that was added to the list that was a legitimate purchase for our son ( XXXX ) on his play station account. My wife advised XXXX XXXX 2 times that purchase was not a fraudulent purchase. He said that it needed to stay on the claim. My wife went back into the bank again within in 30 minutes and again advised she wanted that removed from the claim and was advised it could not be removed. Therefore XXXX XXXX has made a fraudulent claim after being advised 3 times of the truth. We have made multiple attempts to correct and resolve this matter and can not get any clarification or written proof that this has been corrected. I have been hung up on when discussing this with corporate. We just want it to be documented that the charge on XX/XX/2018 is a charge that we made and we owe. We also do not want the fraud investigation to be held up or overturned because of a fraudulent claim by XXXX XXXX.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: 1st Franklin Financial Corporation (GA)

On XX/XX/XXXX, 1st Franklin Corporation received a cease and desist letter from consumer at XXXX. Consumer expressed to the financial institution to stop collection on fraudulent debt, report paid in full to all credit reporting agencies, audit trail, XXXX account each month and send a check for {$5000.00} for violations under FDCPA send to address on the cease and desist letter. The XXXX office contact me on XX/XX/XXXX @ XXXX which is in direct violation of my rights after receiving my cease and desist. 

1st Franklin Financial committed unfair and deceptive practices with in the meaning of section 5 of the Federal Trade Commission Act for a seller, directly or indirectly to take or receive a consumer credit contract which fails to contain the Holder in Due Course Notice in at least XXXX point, bold face typed. The consumer contract does not have the notice. I scanned document with a fine tooth comb and no where on front or back the notice is present. In addition, the financial company didnt provide me with an adequate notice that gave me pertinent facts clearly and conspicuously for me to understand.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX is reporting a charge-off as having a payment due date of XX/XX/2024 how is this possible? I want clarification across all three credit bureaus and the CFPB to actually back me up when it comes to consumers rights and accurate reporting.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

I WAS REVIEWING A COPY OF MY CREDIT REPORTS AND NOTICED SEVERAL ACCOUNTS THAT DID NOT BELONG TO ME I CAN NOT BELIEVE THIS IS HAPPENING TO ME THESE ACCOUNTS ARE WITHHOLDING ME FROM PROGRESSING PERSONALLY AND MY FUTURE ENDEAVORS THEY ARE TREMENDOUSLY AND NEGATIVELY AFFECTING MY LIFE AS WELL AS MY CREDIT I HAVE FILED A POLICE REPORT AND FTC REPORT.
Consumer complaint received 2019-03-18
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. (SC)

There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

-XXXX XXXX XXXX XXXX XXXX : {$3400.00} -XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} -XXXX XXXX XXXXXXXX : {$330.00}
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLD KEY CREDIT, INC. (NY)

On XX/XX/17 three negative references on my credit report by Gold Key Credit were reported to you. The vendor reported that they would prove my obligations or remove them along with any negative credit reporting. 
No information was received from Gold Key. A temporary increase in my Credit score was  observed while they placed the debts in dispute. The alleged debts have now reappeared as charge offs. I continue to dispute the validity of these debts and the company 's manipulation of my credit history based on unfounded debts.
Consumer complaint received 2019-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted all three major credit bureaus about my bankruptcy information being incorrect on my credit report. The only credit bureau to respond has been XXXX and they are still not following federal law. As such, Transunion and XXXX are not providing me online access to dispute any of items on my credit report which are inaccurate. 

I have brought these inaccuracies to these three credit bureaus several times. I need my bankruptcy verified by a human, otherwise it needs to be deleted. It has been wrong for over eight years and this is ridiculous. My ability to access the credit markets is limited and all because they are not reporting correctly.
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC. (HI)

My daughters and other family members have been getting repeated recorded calls on their cell phone and home phones. 
Recorded calls say there is a civil matter with my name and SSN attached to it. They do not leave a valid number to call back on. 
When my husband got the XXXX call he was able to get someone on the phone and got a valid number for me to call back on. 
I called that number on XXXX/XXXX/15 about XXXX times and left about XXXX messages for a call back. No one called me back. 
I finally got to speak to a live person on Thursday XXXX/XXXX/15, name is XXXX XXXX or XXXX, threatened that they will be serving me papers for an old credit card debt and also that someone had already called in and claimed to be me so they will be filing fraud charges against the phone number they have on recorded for that supposedly call. They did not want me to speak my side and would not give me the account number that they have and kept putting me on hold so he could speak to his supervisor and the XXXX time he did that he disconnected the call. Advised that I was being recorded and he asked me to confirm my name / last digits of SSN, bdate and age. 
XXXX call came in at XXXX XXXX my time on my phone ( XXXX/XXXX/15 ) My number as well as my daughters / husbands/ mom numbers are registered on the National Do Not Call list.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My Bank of America credit card account had an unpaid balance less than 5 % of total credit line. After I paid this balance, the account was closed without any notice which resulted in reduction of my credit score by XXXX points.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2022-11-30
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. (UT)

I've tried to contact XXXX by phone but it is next to impossible. They've set their phone tree up so they keep referring to their website. I keep explaining and then they reject the reason and won't let me complain after XXXX time. 

They partner will credit companies and I get barraged by emails, letters, phone calls so XXXX can profit from my situation. 

Here are the facts, and what I sent them today. Please help. 

Dear Sir or Madam : I'd like to request a XXXX XXXX adjustment to my XXXX XXXX loan for the following reasons : XXXX. I took out the loan in XXXX for {$15000.00} while completing a second masters and was told it would be forgiven if I taught in a low-income school. 

XXXX. After I took out the loan, and completed the teaching years they rejected the forgiveness. 

XXXX. I've had deferments and forbearances until XX/XX/XXXX. 

XXXX. I've never made XXXX single payment on the loan. 

XXXX. You say that I didn't have a forbearance in XXXX. 

XXXX. I did fill out the applications for that. 

XXXX. I am XXXX and have XXXX XXXX that would qualify. 

XXXX. I am XXXX. 

XXXX. I'd like to get a car so I don't have to ride a bike for groceries or the hospital. 

XXXX. Please consider this. If this doesn't qualify for the XXXX XXXX then nothing else could possibly qualify. 

XXXX. I will request this every day for the rest of my few years left. 

XXXX. I'm not sure about how the loan was transferred or bought out but there must've been a time that I didn't make a payment and the 7 year rule would've applied. I'd like you to research it from XXXX to show me the proof against my dispute. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (PA)

I was solicited to open a charge card through XXXX  a company that I have dealt with for several years. When I was rejected, I got a letter from XXXX XXXX  on XX/XX/2019 and it was reported from SAGESTREAM , LLC had submitted information I was deceased. I have tried to contact Sagestream at least 10 times and I only get an answering machine with the message they will call me back but they never do. I submitted a request for a credit report from their company online twice and I have not received it. I sent them a letter along with a copy of my driver 's license requesting that they fix the error and the only thing that I got back from them is a letter that they received my correspondence and a copy of my rights.