davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-18
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. (WA)

XXXX's website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual credit report.
Consumer complaint received 2019-08-18
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: EQUIFAX, INC. (WA)

XXXXs website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual credit report.
Consumer complaint received 2018-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I am currently being harassed by Navient. I have been going back and forth with them for years with no luck. They will not reduce my payment to a reasonable amount, and even when I do make payments they do not affect my account. They call me 6-10 times a day and just actually contacted my employer, which I did not think was legal because these are private and not federal loans. Please help!!!
Consumer complaint received 2020-12-08
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 have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I've sent several letters to XXXX & Experian regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report they state that "public record items XXXX obtained from the local, state, and federal courts through a third party vendor, XXXX. I don't see how they can have anything on my credit report from a "third party". Also, I recently received a response from XXXX dated XX/XX/XXXX stating they once again verified a Bankruptcy after I sent them another letter on XX/XX/XXXX. ALL of this seems that they are committing fraud by giving false information. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my XXXX account since XX/XX/XXXX. SO HOW is it that XXXX and Experian said they verified this information with XXXX since after XX/XX/XXXX??? I find that the lies and these practices are illegal and I'm suffering from the credit bureaus not following the law.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My daughter, XXXX XXXX, filed a complaint with the XXXX  and the Consumer Financial Protection Bureau in regard to her Capital One account. The complaint and summary are attached. In the response to her, XXXX included that Capital One tried to reach her and/or I on XX/XX/XXXX and XX/XX/XXXX. I have no calls from capital one on those days and neither does she. I do have calls from the collections department continuously harassing me, but when she calls in were informed that theres an ongoing investigation. So why am I being harassed? In addition, XXXX states that the complaint was submitted by an unauthorized 3rd party. So the account owner, XXXX, who submitted the complaint, is an authorized 3rd party? I am not even allowed to speak with anyone at Capital one without XXXX permission as her permission, so how is she not authorized to make a complaint? I stood next to XXXX as she spoke to a Capital One rep and was advised that money was removed from her account in error/in excess and that they would take care of it. Nothing has been rectified, and now her account is excessively negative. We were told that the account is closed but deposits can be made to make the account whole. XXXX reached out to XXXX XXXX who owes her a few refunds, and was advised that they are not able to issue the refund/make deposits because Capital One told them there is an ongoing investigation. So, to me they are purposely holding this up, so the account goes into collections. I tried to make a deposit on her account and received an error. When I called in I needed her permission to speak to them, and they told me the banking relationship was terminated and I could not make the deposit. So how are all other refunds supposed to come in to make the account whole? I am just tired of the run around and lies. At this point, XXXX has been financially trafficked and taken advantage of by a company who specifically created a student/minor option, but took advantage of a minor. Her account is now overdrawn {$1100.00}.
Consumer complaint received 2022-03-29
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. (PA)

Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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 (CO)

Series of events : XX/XX/XXXX, Received an email from Capitol One informing me that my payment was due on the XXXX and requesting a payment to avoid a late fee. I did not check my email until XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX : Contacted Capitol One and made an XXXX transfer to pay bill in the full amount, {$80.00}. Asked why I never received a statement in the mail and was informed I was on paperless, which was a lie. Asked for my late fee to be suspended. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Received my statement in the mail. 
XX/XX/XXXX : Reviewed my statement online and saw a late fee charge of {$25.00} for XXXX statement. 
Conclusion : I didn't receive a statement in the mail until XX/XX/XXXX for a bill with a due date of XX/XX/XXXX. This seems like a scam, and I believe the late fee should be removed. I wonder if other people have had this problem. Thank you very much for your help.
Consumer complaint received 2019-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion's website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual credit report.
Consumer complaint received 2021-09-22
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)

on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I had concerns because I was impacted by Equifax data breach, I'm positive this is a violation of my consumer rights
Consumer complaint received 2019-11-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CARS Acquisition, LLC (FL)

I financed a XXXX XXXX XXXX from a buy here pay here dealership called XXXX XXXX in XXXX, FL on XX/XX/2019 for {$4900.00}. Since buying the car I have had nothing but trouble from it. The driver side seat belt didn't work, it needed a tune up, there was a scrubbing noise coming from the undercarriage. I took the car to Georgia and it broke down on me several times including the tires blowing out on me twice. I finally got the car back down to XXXX and called them to come get the car and they did on XX/XX/19 I am filling this complaint because I want the financing company, Car financial services to close out and delete the account from all three of my credit reports. This situation has caused me great undue stress and hardship and I want it resolved. Thank you.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (MD)

Response ( XX/XX/2024 XXXX XXXX  ) Account Ending In : XXXX Dear XXXX XXXX, Thank you for your correspondence to XXXX XXXX. 

Our records indicate we did not send you a 1099-C form as your account is not eligible to receive one.

Our banking procedures regarding unsecured lines of credit have been designed to accommodate all our customers and protect our business. Please be assured that XXXX XXXX complies with all regulatory agencies governing our business.

The Cardmember Agreement states that using the Card serves as acceptance of the full terms and are bound to make all payments on time. If you do not make payments on time in accordance with our terms and conditions, the account may be subject to late fees and finance charges being assessed, suspension of charging privileges, a penalty Annual Percentage Rate ( APR ), along with reserving the right to report the account as delinquent to all credit reporting agencies. 

We hope this information has been helpful. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  Hello XXXX XXXX, It appears that I have one item ( 1 credit card ( XXXX ) ) on my credit report from your company that have been turned into a charge-off recently. I noticed that your company has never sent me any 1099 concerning the cancellation of the debts Would you be so kind as to send me a 1099 for a Cancellation of Debt of this item, due to my financial hardship. I would greatly appreciate it as Ive gone through a serious financial hardship. And this would greatly help me with my credit in the future.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXXXXXX XXXX/2022
Consumer complaint received 2020-11-30
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: Global Lending Services LLC (SC)

On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2020, GLOBAL LENDING SERVICES, INC. add a hard inquiries on my credit reports per XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo closed my account closed my new account in XX/XX/XXXX after it took me a week to open it. I never saw XXXX XXXX in the bank until the very last day I was at the bank finishing opening up my new account. XXXX XXXX is purpose coming around me. How would she know I was at that bank unless the banking employee was telling her when I would be coming in. She was stalking me. She had falsely accused me of harassing her in XXXX on XX/XX/XXXX. She is the one who started the confrontation by screaming at me yelling out my private financial matters saying how XXXXr I was because she knew how much money I had coming in my bank account. Yelling it out in front of the neighborhood but some how the police took her side that I harassed her. This is the type of employee they have working for them a liar. 

She told me why dont I take my XXXX XXXX son back in my home. XXXX and XXXX should had been the ones charged with disorderly conduct. She told her co workers at Wells Fargo and they pushed her to file harassment charges against me. This is down right criminal. 

Then I had to wait 4 months for court on XX/XX/XXXX. I was found guilty of harassing XXXX XXXX. I was denied to file harassment charges on XXXX XXXX. Even though she called my son was XXXX XXXXXXXX and told me why dont I take my XXXX  XXXX son back in my home. 

I was XXXX by the XXXX XXXX police and spent 24 hours in XXXX to please XXXX XXXX. 

I had hail damage in XXXX and I took my insurance check in Wells Fargo but was pressured to open a new account by XXXX XXXX on the XXXX bypass in XXXX XXXX. 

XXXX XXXX made sure to tell, the whole bank about what she got away with. Wells Fargo agreed with her that I was harassing her. 

But the problem is that I had no problems from the first 12 months. Until XX/XX/XXXX. I was being set up by XXXX XXXX and Wells Fargo. 

For them to get rid of me. But its not fair how I was treated. Wells Fargo said I constantly harassed XXXX XXXX. But they could never tell me how. Because they know I never harassed her.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NV)

Credit card stolen. Disputed unauthorized charges with credit card company. Credit card company requesting for medical records as proof. I informed credit card company that I did not feel comfortable providing personal confidential medical information. Credit card company then re-billed my account.
Consumer complaint received 2020-10-24
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: MicroBilt / PRBC (formerly CL Verify) (SC)

I've sent in copies of proof of IDENTITY more than 12 times this year alone for me and my XXXX kids. I sent ID for me and daughter, our social security cards, both certificates, court order showing proof of guardianship shot records and school records. Alone with a notarized letter on what to remove and why with 7 Police Reports from. XXXX that I have had to file due to stolen wallets, etc. I never get a response in the mail. When I do they state I need to be verified when I already sent in enough proof ... more than what they've asked for. I got a copy of my XX/XX/XXXXdata that have gathered and 65 % has nothing to do with me. My information is being sold, traded, etc. I sent out mail with trackers recently and still haven't heard back from neither credit reporting
Consumer complaint received 2022-02-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

On XX/XX/2021, Flagstar representative name XXXX at the corporate office was unable to resolve my issue or offer any assistance. Instead, the representative immediately transferred the military veteran home mortgage borrower to the Forbearance program. 

On XX/XX/2021, a Flagstar representative informed me it generally takes about 4 weeks to process Loan Modification Loan. 

On XX/XX/2021, a Flagstar representative name XXXX verbally confirmed all requested documentation including a completely signed and certified Modification Agreement was received. XXXX also informed me the company had not updated their system to reflect the due date of my modified loan mortgage monthly payment amount. 
XXXX requested I provide my bank routing and account number as the only means of making a mortgage payment. 

To date the military veteran home owner has not received a written final determination regarding the loss mitigation/modified loan agreement.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Bank of America BANKAMERICARD where I had a $XXXX   minimum payment due each month that I had set to be automatically paid from my bank account each month. I had this set up by a banker when I received the card. Upon moving to my new house, my billing information and address changed which messed up my automatic billing and all communication with the bank via mail. I do all of my communication with the bank through the mail and this is how I check the amount of money that is due on my card and if my payments had successfully gone through.  Therefore, relocating to a new address caused my automatic payment to fail which caused me to be delinquent on my BANKAMERICARD account for the months of XX/XX/XXXX and XX/XX/2018. Not knowing that my automatic payment was messed up caused this issue and it was compounded when my address change caused the mail that the bank was sending me to go to my old address. This cut off all communication with me and the bank and I was unaware that I was missing a payment until an associate at Bank of America called me on XX/XX/2018 to let me know that the account was delinquent. I then immediately made the payment that I was owed to the bank.
Consumer complaint received 2022-04-07
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. (DC)

On or around XX/XX/22 I submitted a dispute for fraudulent inquiries appearing on my Equifax Credit Report. In accordance with requirements set forth under Section 605B of the Fair Credit Reporting Act ( FCRA ), I provided a copy of my drivers license, a list of the fraudulent inquiries that I did not consent to or authorize, a copy of the Identity Theft Report that was filed with the Federal Trade Commission ( FTC ), and a copy of the police report regarding the identity theft filed with the XXXX  XXXX Police Department ( XXXX ). 

Despite this, Equifax failed to block the information. On XX/XX/22 Equifax sent correspondence state that they are not blocking the information, but instead will contact each company. The letter goes on to state that in order for Equifax to block information under Section 605 ( B ) I must provide proof of identity, 605B of the Fair Credit Reporting Act, you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of my FTC Identity Theft Report or police report regarding the identity theft. 

Given that all of the information that is required to block fraudulent information was already provided Equifax and was received by Equifax as evidenced by certified mail receipts, they are required to block this information. Equifaxs ongoing failure to remove the fraudulent inquiries is a violation of my rights under the FCRA.
Consumer complaint received 2022-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I XXXX XXXX the consumer in this matter rights has been violate. Pursuant to Title 15 USC 1692 ( FDCPA ) Fair Debt Collection Practices Act ; XXXX XXXX XXXX XXXX and TRANSWORLD SYSTEM INC ( TSI ) has violated my rights for an alleged obligation. These two companies have used threats, obscene and profane language ; not to mention the many other violations. These violations has caused me agony and stress due to the harassment from XX/XX/XXXX up until XX/XX/XXXX.
Consumer complaint received 2024-04-18
Product: Credit reporting 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)

XXXX XXXX Equifax continue to report inaccurate information on my consumer file. There are several inquiries that I did not authorize and have not been validated as belonging to me. I demand each credit bureau provide me with the documentation bearing my signature and that of the company listed that proves I have authority. Each bureau is paid to report information to help determine the credit worthiness of each consumer and by reporting incorrect information that hurt the credit profile and credit scores I am damages due to this. 

XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX