davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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. (AZ)

Attn : Experian XXXX XXXX XXXX XXXX ACCT # XXXX The account was paid in full over a year ago, but today when reviewing my credit report, I discovered that this account has been placed as a " COLLECTION ACCOUNT '' This needs to be removed immediately, as this has been previously disputed and cleared by Experian. Now today, it has been inappropriately and erroneously been replaced as a collection account again!
Consumer complaint received 2021-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KS)

I have a home mortgage with XXXX, which transferred mortgage servicing to LoanCare on XX/XX/2021. XXXX sent me an annual escrow statement in XX/XX/2021 which showed an escrow shortage of {$250.00} ( document attached ). I mailed a check for {$250.00} along with their payment coupon ; that check was cashed on XX/XX/XXXX and endorsed to LoanCare ( document attached ). 

Because I was concerned about the servicing transition between XXXX and LoanCare and did not want my monthly payment to increase, I also transferred {$250.00} online via XXXX Bank on XX/XX/2021. ( XXXX recorded the transaction on XX/XX/XXXX. Document attached. ) LoanCare, however, credited my account with only XXXX payment of {$250.00} and increased my monthly payment. 

I have had multiple conversations with LoanCare customer service agents about the missing {$250.00}. Per their instructions, I sent an email on XX/XX/XXXX to XXXX explaining the problem and attaching a copy of the cancelled check ( email copy attached ). The following day, I received this confirmation from them : " We have received your recent inquiry regarding your mortgage account. Your information has been forwarded to the Processing Team. Please allow time for further review and resolution. '' After another discussion with customer service, I sent an additional email to paymentresearch on XX/XX/XXXX, again attaching a copy of the cancelled check. They replied with " We have received your recent inquiry regarding your mortgage account. Your request is still open and being reviewed. Please allow time for research and resolution. '' In XXXX, my monthly statement included a massive number of entries by LoanCare -- between XX/XX/XXXX and XX/XX/XXXX, they reversed and reapplied 57 line entries. ( Copies of payment history attached. ) In that process, they did credit the missing {$250.00} -- and then they reversed it again.

My latest conversation with LoanCare was last week, when an agent once again assured me that he understood the problem and could get it corrected. However, he " could not reach the back office '' where corrections are evidently actually made, and he assured me that I would hear from him as soon as he had an answer. That was over a week ago. I told him that if I didn't hear from him by the end of the week, I was going to file a complaint with CFPB ; that is what I am doing. 

Note that there
Consumer complaint received 2018-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TX)

I am frustrated Ad Astra Recovery Services because they continuously to report inaccurate information to the credit bureaus. I also have been disputing this inaccurate information for well over a year now and Ad Astra Recovery Services fail to delete this incorrect account from my credit report. Ad Astra Recovery Services also did not report this account to the credit bureaus as a disputed account, and that is a FDCPA violation and thats in FDCPA section 807 ( 8 ).
Consumer complaint received 2022-03-07
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-07
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One has negligently investigated a timely dispute on a card holder 's account. They claim 100 % fraud protection and did not even allow their own consumer a chance to provide evidence during the investigation period. I have abundant evidence that the transaction was fraud and they do not want to take responsibility that their investigation team did not look at all the evidence. Capital One claims that their investigation process is done by contacting the Merchant in a transaction and solely reviewing any evidence from the Merchant. There is no opportunity given by their own customers to explain, provide evidence, or rebut any information provided by a Merchant. Capital One owes a duty to their consumers to conduct reasonable investigations in fraud transactions but they have violated said duty. See attached letter for full information regarding the fraudulent transaction.
Consumer complaint received 2020-07-31
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. (OH)

Hello. I received a letter from XXXX dated XX/XX/20 regarding an overdue balance. I never opened an account with them. I never received money from them. Five and a half years after I allegedly opened this account, they say I owe {$15000.00}. 
This amount is on my credit report and should not be as it is not mine. 
Please help! 
Thank you
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian data on XXXX XXXX XXXX The credit reporting company Experian shows several incorrect and irrelevant addresses, and phone number that are not relevant. i attempted to have them removed and I can not get through to anyone no one is answering
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received fradulent charges on my Bank of America account from XXXX. 

The charges were made starting XX/XX/XXXX. The total amount is approx {$530.00}. 

I contacted Bank of America to notify that these charges were not made by myself or my business and they are fradulent. The did a temporary reversal and then later in XX/XX/XXXX reversed the credit saying that XXXX is stating that the charges were legit. This is not accurate. There are at least XXXX different charges, many with the same amounts made on my business account. I wrote a letter and faxed it to Bank of America and when i call for status they keep telling me to refax the same letter. On XX/XX/XXXX I called Bank of America and was told by them that the merchant said the charges were legit so the claim was denied. The letter i sent states that I did not make those purchases. I am still stuck with these charges and need my account credited asap. I am a victim
Consumer complaint received 2018-08-08
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)

Somebody trying to get credit and made hard insquires on my credit report that are not mine XXXX to be XXXX yes are mine but others no please help remove
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I currently have about {$50000.00} in federal direct loans with XXXX. Last fall, after being prompted to consolidate a small federal loan with XXXX to XXXX, and getting a new Income Based Repayment plan, I began paying after a year of forbearance. Prior to that, I had made XXXX payments which I believed to be helping me make progress toward the XXXX XXXX payment threshold ( I'm a XXXX who works in a XXXX XXXX ). 

After recently certifying my now 7 years of employment in XXXX XXXX XXXX, I have come to find out that I have not made now XXXX qualifying, on-time payments in full to XXXX, but only the XXXX since the consolidation last fall have counted. NO ONE who helped me during the consolidation and income checking process ( for IBR )  mentioned that all of my previous payments would be wiped away. Instead of my next payment being my XXXX ( and XXXX full year of payments ), my next payment will be my XXXX. Which means that I now XXXX payments ( XXXX years XXXX months ) of payments left instead of XXXX payments ( 6 years ) despite the fact I'm beginning my XXXX year of XXXX and have been making regular payments in full essentially this entire time. 

The lack of communication about the consequences of consolidation are at minimum negligent, and at worst intentional to get people to pay more. I NEVER would have consolidated if I had known that it would cost me almost 4 years of payments. Who would? How would that make any financial sense at all? I felt like I had to consolidate because one of the federal loans was with XXXX and I did not believe that if I left it with them that I would be able to qualify for PSLF. It was not made clear that I would lose all of those payments in conversations I had with people at XXXX nor was it clearly stated in online applications or correspondence with me. Though I had not certified my years of employment, I had communicated a number of times over the years with XXXX that I was a XXXX ( I mean, they unfairly converted my XXXX Grants to loans because I missed one deadline - but that's a complaint for a different day ), so they knew I was a XXXX and that I was screwing myself by consolidating but nowhere did anyone say " hey, if you do this, all previous payments will no longer qualify '' and that's a shame. You'd think that people and organizations that I pay for with my tax money ( and loan repayments! ) would be trying to operate in good faith, but apparently not. I'm not some negligent borrower, I want to pay debt and HAVE BEEN for YEARS, but this has not been a fair deal on their end at all, and I have operated in good faith to hold up my end of the deal.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (MD)

Harris & Harris , LTD has committed fraud and violated my rights as a consumer. On XXXX XXXX, XXXX, I requested validation from 15 US Code 1692g ( B ). H & H was unable to validate the alleged debt. On XX/XX/2021. I filed a CFPB complaint. The Complaint number is XXXX. On XX/XX/2021 H & H responded to CFPB Complaint number XXXX stating that " Unfortunately we have not yet received the information regarding your accounts from the MD-CCU. Once that information is received it will be provided to you at the email you included in your complaint. '' This was multiple violations to my rights as a consumer. Fact, under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts Under the Fair Debt Collection Practices Act ( FDCPA ) collection agent that can not validate a debt may not collect it or report it to the credit reporting agencies. Fact, 15 U.S. Code 1692c ( b ) Communication with third parties a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. On XX/XX/2021 I sent a Cease and Desist letter. There was no response. On XX/XX/2021, I sent an Affidavit of Truth notarized certified mail to H & H there was no response.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

On XX/XX/ 2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (ND)

Hello, my name is XXXX XXXX and I am writing today to get help with incorrect information on my Equifax, XXXX and XXXX Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened. 
Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX XXXX  dated XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX 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 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  I did not give any of these corporations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. 

Please help me solve this issue. Thank you
Consumer complaint received 2022-03-07
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)

My venture card from Capital One was charged an annual feed of {$95.00} on XX/XX/XXXX. I called Capital One to cancel the card on XX/XX/XXXX and was told by the representative that the {$95.00} fee will be reversed to my account in two weeks. Also she recommended me to change to quick silver card which doesn't have an annual fee. On XX/XX/XXXX, the {$95.00} fee has not be reversed yet. When I called Capital One again, I was told the {$95.00} fee won't be reversed to my card. I am requesting an investigation to listen to the recorded conversation on XX/XX/XXXX and refund the {$95.00} fee.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct 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 2022-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (FL)

XXXX XXXX XXXX is collecting a debt, That was repeatedly trying to cancel. 
Now they have XXXX collection agency, collecting a debt, with an amount different of was supposibly owed. 
The e mail I sent to XXXX, cancelling the membership, address to e mail, was taking from their website, was ignored, never got an answer.regarding my cancellation attend.
Consumer complaint received 2019-03-27
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. (GA)

On several occasions starting in XXXX of 2018, after settling accounts with several companies, I requested thru certified mailing via U.S. Postal Service that XXXX, Experian, and XXXX  delete negative or derogatory remarks and account status on these specific accounts because per Federal codes Sec. 609 ( a ) ( 1 ) ( A ) ; Sec. 611 ( a ) ( 1 ) ( A ) ; and Sec. 611 ( 50 ( A ) " ... promptly DELETE ALL information which can not be verified ''. Several requests for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX to validate and/or verify its alleged debt against claimant, which ALL companies failed to do so. Thus, since they have ALL been properly and legally compensated for any debts alleged against claimant on more than one occasion, ALL derogatory and/or negative remarks or statuses regarding previous accounts with claimant MUST per federal law be deleted immediately by ALL credit reporting agencies. XXXX, Experian, and XXXX refuse to delete the negative remarks and account statuses which are hurting the claimant and preventing him from the pursuit of peace, happiness, and stablility for him and his family.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WA)

I got an email that chase " upgraded '' my card. I live in XXXX. They cancelled my old card ( which I told them not to do ). This leaves me in a terrible financial position with no emergency card. 

The attendant also did a hard credit check without telling me for a credit line increase.
Consumer complaint received 2018-08-08
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: CCB Credit Serivces, Inc (FL)

To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
Consumer complaint received 2018-08-08
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: TD BANK US HOLDING COMPANY (FL)

To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
Consumer complaint received 2022-07-24
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. (TX)

XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct 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 2020-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CUSTOMERS BANCORP, INC (NY)

XXXX XXXX XXXX Attachments Mon, XX/XX/XXXX XXXX XXXX XXXX  ( 4 days ago ) I wish to report a crime. I was robbed by Bank Mobile XXXX Bank located XXXX XXXX XXXX, XXXX XXXX CT. XXXX for {$4000.00}. The New York State Department  of Labor Unemployment Division sent my Unemployment Benefits via direct deposit to Bank Mobile XXXX ; However, Bank Mobile XXXX did not post the money to my account even after proof of direct deposit and trace request. I was simply told the bank did not get my money which is a lie!
Consumer complaint received 2018-10-19
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP (NY)

I went in to XXXX  XXXX in XXXX Ny thought I was leasing a car for XXXX according to the sticker price. They said in the paperwork the cars agreed upon value is XXXX. We never negotiated the price according to XXXX and XXXX we were talking about the sticker price. No listing of what increased the cars value. Company name is XXXX XXXX XXXX XXXX XXXX