davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (FL)

I rented a car from XXXXt and made the full payment. However my account was sent to collections. I believe this is fraud. As I have already paid for the services, the company is in violation of the FCRA.
Consumer complaint received 2022-03-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am submitting this complaint against Capital One Financial Corporation. I recently had an auto loan with capital one that I paid off in full in XXXX of 2021. On my consumer report, it has 10 inaccurate payments listed. These items are inaccurate and the date opened is reported differently across all three credit bureaus Also according to THE LAW USC 1666 it's against the law for creditors to have billing errors on consumer reports. I WAS NEVER LATE ON MY PAYMENTS.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (NV)

I had an account with the Self XXXX XXXX credit card and to my knowledge the account was closed until I noticed that its been hitting my credit and Ive been accruing late fees never received any type of notice I called them and they said they can only reverse three fees and the remaining balance I had to pay upfront but no other options
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$510.00} XXXX XXXXXXXX Balance : {$34.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX : {$1000.00}
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

For the last eight months I 've been trying to have false remarks from two XXXX XXXX XXXX credit card accounts removed from my credit report ; both accounts state that I participated in a financial counseling program, and this is false information. Equifax, XXXX, and XXXX list this information on my credit report. I only found out when I tried to re-apply for a XXXX  XXXX XXXX credit card at the beginning of the year, and my application was denied. I 've contacted XXXX XXXX XXXX, and the three reporting agencies, to correct this report numerous times, and have not been successful so far. I 've been in talked with several XXXX XXXXXXXX XXXX offices and channels, have submitted written and online disputes, and have been repeatedly transferred between departments. After speaking to several people with XXXX XXXXXXXX XXXX and the credit reporting agencies on XXXX XXXXXXXX XXXX confirmed on XXXX XXXX, XXXX that I did n't participate in a credit counseling program, that the information was false, and sent me documentation stating that they had informed the credit reporting agencies to update my report, and due to the error on their part were working to expedite the process of having the information removed. However, over the last two months the same false information kept populating on the report ; I subsequently continued to dispute each investigation. On XXXX XXXX, XXXX a XXXX XXXX XXXX representative told me that the remarks were n't on my accounts on XXXX XXXX XXXX 's end. However, when I tried to re-apply for a credit card with the bank I was automatically denied because the credit counseling program information was still on my credit report. This information needs to be removed, by XXXX XXXX XXXX and the credit reporting agencies as soon as possible.
Consumer complaint received 2017-08-21
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)

In correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NC)

Received letter advising that debt was for XXXX insurance. Did not have any of my information on the letter. Only 2 vehicles and payment dates. No information verifing or validating that the vehicles belonged to me. Additionally, no payment method advised to confirm payment was made by me. 

Again, this company is in violation of FCRA reporting standards.
Consumer complaint received 2024-06-08
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: Self Financial Inc. (MN)

The unverified items listed below remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Remove the following negative remark from my credit report. 

SBNASELFLNDR XXXX XXXX XXXX XXXX SBNASELFLNDR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 
Tracking all letters. 

Thank You, XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2022 ) I 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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I found the account on my XXXX report, XXXX XXXX, I have no knowledge of this account. I have no knowledge of the original creditor. I have never been contacted by the collection agency nor the original creditor. According to the FCRA act I should have been contacted by the creditor. I have sent certified letter to the debt collector asking for validation which I have not had any communications from the debt collector
Consumer complaint received 2019-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OR)

I am the cosigner of a SallieMae for a friend of mine, in XXXX. In XXXX she became permanently and totally XXXX. She began making smaller payments than what they were demanding for repayment, explaining to them that she was on social security XXXX and couldn't afford the larger amount. They agreed to a lower amount but continued to accumulate interest in an amount that was larger than the payments she was making. ( the original loan was XXXX, and she now owes last i heard, XXXX ) I recently saw on their website under the " Common questions about cosigning a Sallie Mae student loan '' Q- What if the student dies or becomes disabled? A - If a student dies or becomes permanently and totally disable, we'll waive all remaining payments on their Sallie Mae student loan. Call us at XXXX. I encouraged her to push for them to waive all remaining payments, i helped her get the paperwork together she needed to send them. She just got a letter from them saying " based on the information you provided regarding your XXXX, we have reviewed your account and determined that you are eligible for release as the borrower of the private student loan referenced above. Release of your liability as borrower would result in the loan being transferred into the name of your cosigner. if you prefer to keep the loan in your name and remain responsible for repayment of the loan, please contact our office within 30 days from he date of this letter. if we do not hear from you within 30 days, we will complete the transfer to your cosigner. '' I feel like that letter is a bullying in their attempt to collect the payments and in violation of their own statement on their website. I don't know what to do about it, though. She is completely overwhelmed by it all and really believes anything they threaten her with. They tell her because it's in collections that's her only option.
Consumer complaint received 2022-03-23
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. (PA)

NEW INFORMATION Transunion has responded to my complaint, complaint # XXXX stating that they have received my complaint, and are reviewing the complaint and will follow-up within 60 days, see attached. 

Federal Law does NOT give any consumer reporting agency 60 days to respond to a dispute. The only provision that Federal Law grants is a 15 day extension if and only if the consumer reporting agency receives information from the consumer during the 30 day period of the reinvestigation of a dispute.

The letter that they have initially sent me in response to my initial dispute in no way gave me any instructions or identified any information that is required to get the disputed information investigated, which makes Transunion in violation of 611 ( a ) ( 3 ) ( C ) of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-20
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Dear Consumer Financial Protection, I had made a complaint prior to you about Bank of America. They encouraged me every three months to do a forbearance when I lost my job because of Covid. BOA reassured me I would not lose my home. I trusted them and I did. After the forbearance period was over, I went through months of sending paperwork over and over and them asking for the same paperwork that I sent over and over. I was getting phone calls saying I was going into foreclosure because I did not qualify for any of their programs and could not get an answer why? After BOA received complaints from your company they sold my loan to XXXX mortgage. I was contacted from XXXX mortgage stating my loan had been bought out from Bank of America. I never received any notices from Bank of America stating they sold my loan. When they sold my loan my credit score went down XXXX points and they reported that I was late while I was in the loan modification, when in modfication BOA would not except any payments.I have worked so hard in my life to build up my credit score it was Excellent score was XXXX now it is fair, score is XXXX. I have tried to contact them several times about this issue with no call back.I justed looked at my credit report today XX/XX/XXXX, and now XXXX Bank also reported I was 120 Days late?? I have been trying to work out this loan since XX/XX/XXXX. 
Thank you for your help XXXX XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I had contacted portfolio recovery trying to negotiate a debt from XXXX of 2016 with XXXX XXXX I spoke with XXXX XXXX and also a XXXX who claimed to be a supervisor both were extremely rude would not allow me to talk and very just overall unhelpful and extremely rude I was trying to settle the vet and they were not cooperative
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

With served papers to my home on XX/XX/XXXX to approximately XXXX XXXX. Date of letter from lawyer says XX/XX/XXXX, and stating I have 30 days to answer complaint, when already 9 days are gone. This was a debt with XXXX XXXX, which they chose to discharge around XX/XX/XXXX. Prior to this, had entered a payment agreement with found but they did not uphold their end by showing the debt paid as agreed. Now portfolio recovery is claiming they own the debt and are looking for a default judgment without allowing me time to answer their complaint.

I've out of work since XXXX of last year due to health and am now strictly on XXXX, there is absolutely no way I can afford to pay this debt. So not only do I have a debt on my credit report from a collection agency, but I also have the charge off from XXXX XXXX . So it feels like I am being penalized twice for the same debt. I asked portfolio recovery to prove that they owe this debt, as XXXX has already discharged this debt.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have noticed many unauthorized INQUIRIES appeared that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these Items I am complaining.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX1 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2023-12-03
Product: Credit 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: NAVY FEDERAL CREDIT UNION (CA)

From XXXX charges were made on my card from a fake company. The company claimed I did business with them but I never did. Totaling XXXX. I gave the police report about the identity theft, gave XXXX information, provided proof I didnt make the charges, and the bank didnt do anything about it. The company never investigated my case/claim and said Im responsible for the charges because they couldnt get the money back from visa or XXXX XXXX because the companies dont exist.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIRST HORIZON BANK (FL)

First Horizon Bank took over my Mortgage at Iberia Bank, and unlawfully issued duplicate insurance policies, because they failed to bring over the insurance information and the policy number covering the property. 
Then they billed me an extra {$10000.00} / month. I send them the copies of the policies, and it took them over 40 days to cancel the duplicate policies and fix my monthly payment amount. Meanwhile they did not accept anything but the full incorrect payment until it was fixed. Now, they are reporting me as 30 days late for XX/XX/2022, even though they recognize the error and their reps contacted me to ask me for to forgive them, and for more time to issue the corrections, see letter attached.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I have today just received notice that the illegal foreclosure sale of my home on XX/XX/XXXX has been wrongfully validated by JP Morgan Chase Bank, NA. The party whom committed this illegal sale on that date is XXXX XXXX Offices, PC of XXXX, MA. I have just now spoken to XXXX XXXX XXXX XXXX and she is dis-acknowledging the law of an Obsolete mortgage. This " mortgage '' was made obsolete in XXXX of XXXX. See attached land court folder showing the Right to Cure letter dated XXXX which is more then 5 yrs past the mortgage maturity acceleration date of XXXX XXXX. Five years from that XXXX date is the new date for Maturity acceleration to make this so called mortgage obsolete. please see : CHAPTER 260 Obsolete mortgages Section 33. A power of sale in any mortgage of real estate shall not be exercised and an entry shall not be made nor possession taken nor proceeding begun for foreclosure of any such mortgage after the expiration of, in the case of a mortgage in which no term of the mortgage is stated, 35 years from the recording of the mortgage or, in the case of a mortgage in which the term or maturity date of the mortgage is stated, 5 years from the expiration of the term or from the maturity date, unless an extension of the mortgage, or an acknowledgment or affidavit that the mortgage is not satisfied, is recorded before the expiration of such period. In case an extension of the mortgage or the acknowledgment or affidavit is so recorded, the period shall continue until 5 years shall have elapsed during which there is not recorded any further extension of the mortgage or acknowledgment or affidavit that the mortgage is not satisfied. The period shall not be extended by reason of non-residence or disability of any person interested in the mortgage or the real estate, or by any partial payment, agreement, extension, acknowledgment, affidavit or other action not meeting the requirements of this section and sections 34 and 35. Upon the expiration of the period provided herein, the mortgage shall be considered discharged for all purposes without the necessity of further action by the owner of the equity of redemption or any other persons having an interest in the mortgaged property and, in the case of registered land, upon the payment of the fee for the recording of a discharge, the mortgage shall be marked as discharged on the relevant memorandum of encumbrances in the same manner as for any other mortgage duly discharged. 

THIS 'MORTGAGE ' is obsolete under this law being that there were not extensions to it since the forged falsified initiation on XX/XX/XXXX. 

This sale MUST BE DISCHARGED/RESCINDED AND THE 1099-A corrected to zero!! see attached land court folder