davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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. (FL)

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and  have the law changed.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX XXXX   {$730.00} ( shown as {$740.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX XXXXXXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Consumer complaint received 2022-02-17
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. (MD)

I have several disputes via writing to CRAs and via CFPB COMPLAINT, still no resolution. 
Pursuant to 15 USC 1681n CIVILLY LIABLE FOR WILLFUL NONCOMPLIANCE : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or. 

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow My actual damages sustained are beyond the 4 letters sent to the cras and the numerous complaints sent through the cfpb. I have been denied for credit and housing and my children have suffered because of the willful noncompliance of the cra. Enclosed are my proofs from the courts and third party that the bankruptcy you claim was verified numerous times is inaccurate.
Consumer complaint received 2017-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (MO)

Inaccurate wrong and hurtful information being reported by this company to the credit reporting agencies. i do not have nor have i gotten any form of communication from this company in regards to them reporting negative information on my credit report to the XXXX credit bureaus. which i find that to be a violation of the FCRA laws. at this point no communication is warranted as damage has been done. I would like for them to validate with original signatures and contracts they have along with payments and amounts due pertaining to alleged debt. if validation can not be provided i demand the negative reporting be removed from XXXX, XXXX and XXXX immediately if validation is found i have the right to have all findings sent to me within XXXX days of the findings. I demand XXXX days to respond which is not likely as there no contractual validations.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX XXXX XXXX XXXX ( Beneficiary ), am making this complaint on my free will and accord. No third party is involved in making this record of complaint. 

I XXXX  : XXXX, ( Beneficiary ), consumer, natural person and original creditor to an open end credit plan for XXXX XXXX XXXX ( Trust ens legis ) was harmed by the damage of my credit worthiness with the reporting of inaccurate information in my consumer report by TransUnion. Communication was made in the form of a verbal dispute followed by a confirmation in writing of the said dispute of information. I am aware as a consumer TransUnion is civilly liable to me for the damages caused by the inaccurate information placed on the report pursuant to 15 USC 1681n up to { {$33000.00} }, and I expect them to compensate me for said damages as they have personally given confirmation of the damages via the removal of inaccurate information.
Consumer complaint received 2019-03-21
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. (TN)

XXXX XXXX was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I called Bank of America card services to pay a balance of over {$25000.00} on XX/XX/2020. I provided the correct routing and account numbers to the representative named XXXX, located in Virginia, to satisfy not only the balance, but the expected interest that will be billed in XX/XX/2020. The payment did not process from my bank account as expected. I called Bank of America on XX/XX/2020 and spoke to XXXX about this issue. I was reassured that no negative impact would affect my account as this was a bank error. I have now been charged a {$28.00} fee for the returned payment due to Bank of America 's error. So far, BofA has not credited my account for this fee or removed the returned payment history from my account. This is absolutely no fault of my own. At this point I want the errors corrected, and additionally, I no longer want to be charged the anticipated residual interest due to the fact that I have been MATERIALLY IMPACTED, and my time has been wasted in trying to resolve this. I also want further compensation, to the effect of no less than {$5000.00}, for the time and stress which I have incurred due to Bank of America 's blatant incompetence in being able to service my account needs accurately. Without a satisfactory, and timely, response, I will pursue further legal recourse.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Judgements are void and shouldnt be reporting see cases 

- 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
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (WI)

I have never missed a payment before I made an insurance claim on my vehicle. There was a balance of {$60.00} left on the loan. I was unaware of the balance and my phone number was different and they didnt have the correct address or email on file. Any other time if a balance was paid they would make the payment current until it was time to make the next payment based from the balance. Instead they made the history reflect that no payment was made for a XXXX yr plus. Now my credit reflects that I made XXXX XXXX days of late payments. Thats not the case. They told me that the credit bureaus were the only ones that could make the change and that was not the case. This has been a knife in the process of buying a house because credit is everything.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (TX)

On or about XX/XX/XXXX, My concern is Loan & card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan and card credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan and Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XXXX.
Consumer complaint received 2022-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/22 I deposited my paychecks into my Capital one Checking account, checking a few hours later to see what's going on, I find that they have been held for over a week with no reason or notification of any issues from the company. I attempted calling several times and got directed to call Saturday XX/XX/22 because " The checks need to be in for at least 24 hours '' Saturday XX/XX/22 I call in to the customer service line. I am told they can not provide me a reason and am forwarded to a manager, they tell me they can not provide me a reason. I demand to be forwarded to someone who can, the manager forwards me to the security department. I explain what the checks are for and the security department still can't explain why they are holding my checks and force me to give a number to my employer for them to do their job to verify the check. I do so, they say " Well we can't get a hold of them '' and tell me to call back MONDAY... I demand a supervisor because this is unacceptable and I am abruptly hung up on. 

My Second call to the same department starts the same way. I forward the details to them to verify, they make 1 attempt and now I have to call them TUESDAY. I demand a supervisor and once again I am hung up on.
Consumer complaint received 2018-10-14
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. (OK)

there reporting that I open my student loan in XX/XX/XXXX in which if they would review the promissory note they would see I opened my student loan in fall of XX/XX/XXXX at XXXX XXXX that's the only promissory note every signed, under fair credit reporting act it is unlawfull to change dates and if shown the information being provided to inaccurate the credit reporting agancys must delete the account, have have requested on at least 4 times the information in inaccurate and they still respond with its been validated, im now asking them to please provided the document that is being used to validate these dates that are being reported,
Consumer complaint received 2022-02-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (PA)

My wife and I entered into forbearance on/around XX/XX/XXXX on our personal residence. 

XXXX XXXX XXXX, I contacted loss mitigation ( a 3rd party ) of Guaranteed Rate -- the lender for our personal residence. I told them I wanted to pursue a loan modification and come out of forbearance. 

I was to make XXXX on-time monthly payments in order to 'properly " come out of forbearance until the modification could be completed. I made my 1st payment over the phone. I was told to wait 3-4mo for an answer to my request to modify our loan -- while making payments -- which I continued to do. 

I heard nothing for 3-4mo. I called back with regularity in XX/XX/XXXX and was passed around from representative to representative who did not know what to do. 

XX/XX/XXXX : Senior Representative XXXX XXXX ( XXXX ) was helpful for some forward movement. She let me know that XXXX was the processor on my account, yet XXXX contacted a Supervisor of processors, XXXX XXXX to find more info. 

XX/XX/XXXX : Some info came from XXXX XXXX my loan is a " XXXX XXXX. '' I spoke to senior representative XXXX XXXX. who found another avenue to contact -- of which no information ever came about. 

XX/XX/XXXX : I gave up hope for a loan modification. I called Loss Mitigation, and spoke to Representative XXXX ( XXXX ) who changed and supposedly processed my request from a Loan Modification to a Loan Deferment. She again said this would take yet another 3-4mo to complete and I would hear back soon that the process was started. -- I never heard back. 

XX/XX/XXXX : I spoke to Supervisor XXXX XXXX ( XXXX ) who submitted a complaint for me which would " Red Flag '' the account. He also told me my loan is a XXXX XXXX and this was new to him. 

XX/XX/XXXX : Supervisor XXXX XXXX ( XXXX ) said my account must go through Master Servicer XXXX XXXX XXXXo remove the " XXXX XXXX '' on my loan to Guaranteed Rate would have the authority to work on it. XXXX said my loan had been escalated to upper level management XXXX. 

XX/XX/XXXX : I heard nothing for a long time after many calls to get back in touch with Supervisor XXXX XXXX. I finally spoke to him on XX/XX/XXXX and he had no new information to give me, except that he is getting inundated with these type loans now. he said I am not the only one in this position. He said he was going to follow up with XXXX and a XXXX. He did say a Client Manager, XXXX XXXX, said the " master servicer has to reach out to XXXX XXXX to get the XXXX XXXX removed. '' XX/XX/XXXX : I still have heard no response. 

I have been unable to refinance this and my other properties this whole time, as no lender will give me a new loan ( s ) until I am out of loss mitigation, have made on time payments, and the look of my personal residence mortgage statement does not say I am behind on any payments. We are losing equity and have missed lower rates. We need recourse against Guaranteed Rate and XXXX XXXX.
Consumer complaint received 2022-08-26
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

After being a valued customer with Capital one bank for over 10 years, every single credit card that i had with them was abruptly closed without adequate explanation. This is in violation of federal consumer and credit laws. This has caused me and family emotional and financial stress, as a Consumer who has banked with this company and received services from and given my services to i am appualed at this discrimination. I am the original creditor, and my business has allowed for capital one to receive an abundant amount of money and interest from me banking with them, giving them more business by word of mouth, the ability to extend loans to other consumers, the use of my social security card number to receive funds, insurance and interest from the use of my signature, social security number and applications. all the while they have raised interest fees, added on additional fees and and have closed all my accounts, which have been my very first accounts. I don't believe that Capital one bank has acted in good faith or in inequitable manner for me.
Consumer complaint received 2022-02-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Green Square Company LLC. (OR)

This loan was sold to XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I reached a settled with XXXX XXXX XXXX Green Square and on XX/XX/XXXX had paid {$2100.00} last payment on XX/XX/XXXX of {$600.00}. 

I have been monitoring my credit since then to see if this will be reported to the credit bureaus and it still hasn't. I have filed several disputes with the credit bureaus and nothing is been done. On XXXX XXXX, I called XXXX XXXX services and XXXX XXXX and no one wants to take ownership to resolve this. 

The same day XX/XX/XXXX i sent out registered letters to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and the post office has been unable to get them signed because either the business doesn't exits or no one wants to sign them. USPS tracking numbers XXXX, XXXX and XXXX. 
I want this is resolved. I also have a letter which was sent to me by XXXX XXXX about the settlement and stating the debt is paid as agreed. I want this reported to all the credit bureaus
Consumer complaint received 2020-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (CA)

I have had a Personify Financial loan since XX/XX/XXXX. As part of the set up of the loan, I elected to have Personify Financial automatically charge me every two weeks per the loan agreement. There was no issues until XX/XX/XXXX which is one of my scheduled payment dates. The payment was deducted from my bank account as usual ( my bank account was debited {$160.00} ) but was reversed ( money was still debited, there's no refund or credit on my bank account statement ). As part of the loan agreement, after a set amount of on-time payments there is a reduction in interest by 2 %. At the time my loan rate was supposed to decrease from 53.40 % to 51.40 % and my new monthly payment was supposed to be {$160.00}. On XX/XX/XXXX there was a charge for {$74.00} that appeared but since I was on auto-pay I did not worry because my assumption was that the normal amount would be debited. Fast forward to XXXX XXXX XXXX, I noticed my account was in bad standing and that I owed two payments. I immediately attempted to contact Personify who advertised their customer service hours as being available from XXXX to XXXX yet I was always met with a message that their center was closed despite it being early noon. I decided to email them and it stated that I would receive a response but have yet to receive a response. This was over a month ago and as a result, I have paid more interest that I would have had the payment been processed normally. There are no issues with my bank account and it was only until XX/XX/XXXX ( one month and two days later ) that the company notified me that my payment had been late. Since I have not heard a response from the company, I have decided to file a complaint in hopes of getting this addressed finally.