davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried, for a significant period of time, to dispute a Bankruptcy that is being reported under my name and attached to my social security number. I first consulted XXXX XXXX, who contacted Experian on my behalf. The XXXX XXXX was used to " verify '' the Bankruptcy through XXXX 's data system. There were no phone calls, no paper trails, no true verification of validation of anything. XXXX XXXX did nothing to question their method of verification, but certainly took money from me in a hurry. I then contacted Experian on my own and tried to submit my dispute using the FCRA because I have been advised that it's best to dispute this way, even if something is not valid, unverified, or potentially fraudulent because too many people have abused the system by filing false police reports in attempts to get credit sweeps and get a clean file. The problem is no proper investigation has been conducted. Experian collects their information from XXXX. XXXX claims to get their information from the courts. The clerks in the courthouse, will testify that they do not verify or validate anything by phone, e-mail, or fax regarding court records. The court records DO NOT SHOW the entire social security number, and if any of these entities had honestly taken a look, they would see that my social security number, which Experian knows very well, is NOT on the court records. What the court records show is completely different. Therefore, they have reported inaccurate information for a long time. Due to the fact that I was duped into trusting XXXX XXXX to perform any work for me, plus trying on my own to dispute this matter, Experian has decided they don't have to look into this any further. At this time, I have more information, and they will not allow me to initiate a new dispute. This has gone on long enough, and I have been more than civil, patient, and respectful. They are not entirely accurate when the investigation results ' letters come back stating the court verified it or that XXXX verified it. Experian and XXXX are for financial gain, and I represent money to them because they can continue to report unverified items. The court reports use name and address, which XXXX records. That is not proper validation, particularly when Experian does nothing except repeat what XXXX states. After all this investigation I discovered on my own, they have now decided to not give me an opportunity to dispute this.
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (GA)

They charged me {$680.00} for an appraisal ; I asked them not to do this until the loan went close to its conclusion. 
They lie. 
When he couldn't get the loan to go through, he " ghosted '' me. 
He lied about FHA regulations. 
He was generally unethical. 
I hope he did not charge me for the homeowner 's insurance I didn't get on the loan that I didn't get. 
This guy is just plain sleazy and unethical. 
Here is his information : XXXX XXXX Inside Loan Originator XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX crosscountrymortgage.com/XXXX XXXX  XXXX badge XXXX CrossCountry Mortgage, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Personal XXXX Branch XXXX Company XXXX XXXX XXXX
Consumer complaint received 2019-10-11
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: LEXISNEXIS (NY)

XX/XX/19 : I sent requests to LexisNexis Consumer Center to advise the court name was invalid for public record and must be deleted from report. 
XX/XX/19 : LexisNexis sent letter stating the information was verified. 
XX/XX/19 : LexisNexis sent letter stating disputes had been opened with XXXX, XXXX, and/or XXXX but have received any results. 
XX/XX/19 : I sent Method of Verification Request to LexisNexis for proof including documents with my signature within 15 days or delete inaccurate data from my report. 
XX/XX/19 : Have not received response from LexisNexis for Method of Verification Request. 

It is my understand under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) it is my right to ask for proof and to have accurate information in any report. LexisNexis has not provided me proof within the  15 day requirement or deleted the inaccurate data from my report. It is also my understanding if requested the credit report agency must have all signed documents in their own possession ; independent of credit reporting bureaus as proof of accuracy of consumer information. LexisNexis is in violation of my rights under the FCRA.
Consumer complaint received 2019-07-07
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. (VA)

A USPS certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to TransUnion to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. As of today, XX/XX/2019, TransUnion has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, the company updated my credit report stating that the item was investigated and verified as accurate. The debt listed was not changed because TransUnion " verified '' ( with no paperwork ) that the information reported was accurate. TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself provided by XXXX XXXX. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Consumer complaint received 2019-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is an official grievance against Capital One Financial Corporation situated in XXXX XXXX XXXX   XXXX XXXX, VA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Capital One Financial Corporation has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. 
Below is the account I had Disputed earlier : XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On or about XX/XX/year>, I received a credit alert from XXXX XXXX XXXX stating that an account from Capital One Auto Finance in the amount of $ XXXX was opened in my identity. The information was reportedly reported to XXXX. I logged-in into my XXXX personal account ( that I pay for ) and I did not see this added account/information. I contacted Captial One concerning the issue and they did not have any information with my name or SSN. I then contacted XXXX XXXX XXXX and they referred me to a fraud/ restoration specialist. Today XX/XX/year>, I spoke to the specialist XXXX XXXX. I informed her of the alert issue and clarified that I never had any accounts with Capital One. In reviewing my account, the specialist also identified two other accounts and a hard inquiry in my name that I did not open/instigate. Together the specialist and I called Capital One 's various departments ( customer service, auto finance, credit cards, applications ) and no one had any information in my name. Nonetheless, as part of the restoration process, I was asked by the specialist to file a dispute with the respective Credit Bureau 's however as it relates to the open accounts with XXXX there is no such information listed with them ( according to several specialists I spoke to ), even though the information was reported as an alert with XXXX. As it relates to the hard inquiry, XXXX would like me to provide a letter from the creditor ( Capital One ) stating it is okay to remove the information. However, Capital One is unable to provide me that letter as I do not have any accounts open with them. I am filing this complaint as a form of protection that I did my due diligence to resolve this matter. Thank you for listening.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information found on my credit report. I have identified several inaccuracies in the report that I would like to have corrected or removed. 

Firstly, the report includes personal information that is incorrect. My name is not XXXX XXXX and I do not recognize the previous addresses listed. Specifically, the addresses listed as XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX are not accurate and should be removed from my report immediately. 

Additionally, I do not remember authorizing an inquiry by XXXX XXXX XXXX on XX/XX/XXXX, and I believe it may be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Furthermore, I would like to dispute the accuracy of the following accounts listed on my report : XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account numbers XXXX and XXXX, and XXXXXXXX XXXX with account number XXXX. I request that you verify the payment status, balance, comments, payment history and account number of each of these accounts and either fix or delete them from my report completely. 

In conclusion, I kindly request that you investigate and correct or remove the inaccurate information from my credit report as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-11
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. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-03-20
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. (CA)

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and still have fraudulent information on my credit report. I need this fraudulent information removed from my credit report within XXXX business days. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX  XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX  XXXX FIN INQUIRTY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX  XXXX INQUIRY DATE : XX/XX/2022, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (AZ)

In XXXX of XXXX, I was fortunate to be gifted a brand new car, however I already had a car loan for a XXXX XXXX XXXX thru Bridgecrest. As I was preparing to do a Voluntarily reposession, My XXXX in Colorado had contacted me and said she was interested in taking over my car payments. I proceeded with that option, and from XX/XX/XXXX until XX/XX/XXXX, the payments from my XXXX to me were applied to the car. The next payment was due on XX/XX/XXXX, However, on XX/XX/XXXX, I was hospitalized for a Severe Umbilical Hernia, medicated, and placed on bedrest. I called Bridgecrest to inform them of my health issue, and was only granted until the next day the XXXX to make my payment. Due to hardship from health issues, I made a {$300.00} payment on XXXX @ XXXX, and the remaining {$160.00} on XXXX. So imagine my horror, when my aunt messaged me on XXXX to tell me that the car had been repossessed on XXXX. They said that because my account was a chargeoff account, that they will not, do not, and can not work with anyone, for any reason, not even a legitimate medical crisis. At one point, the representative told me that this could have been avoided if I had answered the phone on XXXX, but I informed her that I had XXXX on XXXX, and was under sedation. Not once did they ask to see my discharge paperwork. Not once did they show any effort to make an exception, care, or show any leniency, that because my payment was due on the XXXX, paid {$300.00} on the XXXX, and the remaining {$160.00} on the XXXX. I am completely disregarded, and now they are asking for {$1300.00}, or {$1500.00} to get the car back for my aunt. NO MEDICAL EXCEPTION OR CARE AT ALL. I understand being firm, strict, and the intent to collect a debt, especially on a circumstantial charge off account, but I am hugely upset in the lack of leniency for an actual XXXX emergency, especially with proof and documentation. Upon contact, I will share my medical documentation. Thank you.
Consumer complaint received 2024-04-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SOFI TECHNOLOGIES, INC. (MD)

I tried to reapply to the Sofi XXXX reduced repayment program on XX/XX/24. I signed and submitted everything i needed. The cut off for applying was XX/XX/24. My co-signer never got their end of the application until XX/XX/24. Not in their email inbox OR spam, nothing until XX/XX/24, effectively making it impossible to apply. Due to this i have to pay {$300.00} in the cool off period which is 12 months. I am unemployed, that was the reason i applied for this in the first place. I asked to have this looked at and submit a form to have the lenders look it over and look at the facts. They denied it and said it was at their discretion. This was very sneaky, and deceitful for a business to do. I am left with no options of repayment on this loan as i did before i am unemployed. Whats the point of the reduced repayment plan if they will move the goal post last minute?
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MO)

Hold on my account for 3 years. I written a letter to close the account. I spoken with the bank on the phone. I visited in person. Still refuses to close the account and give me my money. They are trying to send the money to the state of XXXX  for unclaimed money. The had refuse to talk to me and release my money to me. I have gotten sick and stressed out over this situation for no reason.
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (CA)

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

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-20
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: TRANSWORLD SYSTEMS INC (SC)

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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2023-03-20
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. (OH)

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

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

After noticing the debt on my credit report, I sent a Debt validation letter to IC Systems ( XXXX XXXX XXXX )., A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, IC Systems did not cease collection activities, in fact, they recently continued reporting to the credit bureau. To date, I have not received a letter or phone call from the IC Systems or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a month since they RE-placed the debt on my credit report and 1 month since I requested validation. 
Last year when the debt validation was requested, IC Systems ( XXXX  XXXX XXXX ) removed the debt from my report, but again recently added it.