davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Opened core checking account on XX/XX/XXXX with an offer for {$300.00} new account bonus. The requirements to receive this bonus was to have direct deposits totaling {$4000.00} within 90 days of account opening. This requirement was met on XX/XX/XXXX, with direct deposits from my employer. The terms for the bank was to credit the bonus within 60 days of meeting the requirements. It is approaching 120 days and this bonus has not been credited.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (KS)

Today, XX/XX/2019, I attempted to obtain my free credit report from Experian using XXXX. However, the website returned an error message saying my identity could not be verified. It asked me to send proof of identify. 

I have had this happen every single year for the past several years, and I am tired of jumping through hoops to get my free credit report from Experian. 

Next, I went to the Experian website to fill in a complaint form, and the website said I had to call them because they couldn't take the dispute online. That number is useless for my purposes as I couldn't talk to a live person and it's a system designed, I think, to make you give up. 

So, I am beginning to think that they are intentionally trying to make it difficult for me to get my credit report. 

I believe it's illegal for these companies to profit from my information and then refuse to provide it to me via my free annual credit report.
Consumer complaint received 2017-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX is currently reporting on my credit report payment status : in collection, charge-off with a balance of {$98.00} .Also they have listed remarks of " charged off as bad debt profit and loss write-off. However as of todays date this account has been paid in full. XXXX XXXX has been contacted previously about this and I have waited over 90 days and have yet to hear any response from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is the address listed on my credit report to contact this company.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I paid all my credit card bills, but they reported me to the credit reports saying I have not paid when they get it from my bank account every month automatically, I been paying for these accounts for 3or 4 years, and it is always the same, I made to paying 2 years ago they said I needed to write a statement telling them it's for the next month, that's crazy they're looking for a reason to make up our credit score,,
Consumer complaint received 2017-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion as normal makes it impossible to file a dispute. There is erroneous info about late payments on my report from XXXX XXXX XXXX on a car loan which has been paid by the insurance company. I tried to file a dispute and Transunion site just stops allowing me to continue every time. these hang ups are clearly a way to discourage customers and should be considered a severe violation. I 'm being refuse access to file disputes because of an ongoing failure of their site which they refuse to fix.
Consumer complaint received 2017-12-30
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. (NJ)

Since XXXX of this year I 've asked all three credit bureaus to please provide verification of about 7 accounts on my credit report. I 've sent more than 4 different requests to provide this verification over the last few months but I get the response that they have been verified. what I 've been looking for is a signed contract with the creditor or application I signed for this credit but they just respond that they are verified. Frustrated because I do n't believe they are really verifying those accounts and they are not mine. they wo n't delete the accounts from the reports or send me the required verification seriously impacting my interests rates
Consumer complaint received 2024-01-30
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. (FL)

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 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I open my Equifax Portal I have not been able to get my credit score in months. I have complained and the problem has not been corrected. See attached document. This is what I get when I log into equifax from several separate devices.
Consumer complaint received 2022-03-10
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. (MO)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-01-03
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. (NV)

I have multiple dispute issues with Experian, XXXX and XXXX  that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to Experian, XXXX and XXXX ( below ). Due to the fact that these accounts are reporting inaccurate and have not been  verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/2017 while XXXX  shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : Experian and XXXX $ XXXX/XXXX {$150.00} Status : Experian : 30 days late/XXXX ; : 60 days late/XXXX : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.
Consumer complaint received 2018-01-03
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. (NV)

I have multiple dispute issues with XXXX, XXXX  and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX, XXXX and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX  XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX Status makes no sense, delete this immediately : XXXX and XXXX : closed/TransUnion : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that XXXX and XXXX report a monthly payment of {$0.00} while TransUnion reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX/XXXX $ XXXX/TransUnion {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX/XXXX $ XXXX/TransUnion {$68000.00} Past due : XXXX  and TransUnion $ XXXX/XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
Consumer complaint received 2017-12-31
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: Resurgent Capital Services L.P. (CA)

I have been attempting to work with Resurgent Capital regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to Resurgent Capital over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX continues to report inaccurate data onto my credit report with Equifax and XXXX. See attached screenshots of my credit report, XXXX XXXX has not validated this collection and they continue to not report the first delinquency data to Equifax and XXXX and Equifax and XXXX continues to not report the first delinquency date and ignores my disputes regarding this issue that is clearly causing my Credit score to drop. I am in fear this company XXXX XXXX XXXX and Equifax both by not investigating this has caused my credit score to suffer grave damages for years. This is for account XXXX <<<< This complaint was made regarding two separate accounts listed by account number. This is not. A duplicate or repeat complaint this is a new complaint.
Consumer complaint received 2019-03-05
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: General Motors Financial Company, Inc. (NY)

Pull a hard inquiry when I did not get approved for the car I wanted. Yet it is still on my credit report. This is stopping me from applying and getting approved for an apartment.
Consumer complaint received 2017-09-14
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. (CA)

Equifax gave me someone else 's credit report. I was using the official Equifax free credit report site ( URL available in the screenshots ), I began the process to receive my report by typing in my personal information and last 4 of my social like normal. After I submitted my answers to the identity questions ( which made sense to my real identity ) the next page gave me someone else 's personal information and credit report! I was giving a whole PDF document of someone else 's credit report! The information received had a similar SSN, but totally different state, sex, address, etc. This all occurred about an hour ago around XXXX X/XX/17. Not only did my information get breached but now it looks like Equifax is handing out other people 's private information. The PDF has more information than the website viewer. I have proof that this occurred.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (VA)

8 years and 3 lenders later still trying to get a loan modification, recently Caliber Home Loans Purchased my loan in XX/XX/XXXX, had to start all over with the loan modification process, I submitted all the documents Caliber asked for, my documents were lost, I submitted additional documents as they asked for. in XX/XX/XXXX i was advised they had a complete file before the deadline to stop the sell of the property, Caliber refused to stop the sell date as I was told the sell date would be stopped. I was forced into BK XXXX to stop the sell date. Within the first 30 days of the BK I submitted another complete package for a loan modification, over the next several months caliber again asked for more documentation to complete the review, I again submitted the required documents, In XX/XX/XXXX Caliber stated they need an additional document, I advised them I was advised by XXXX XXXX from Caliber that document was needed and she checked with the loss mitigation dept, that person in that dept stated I did not need to send that document in, Caliber once again proceeded with another sell date for the end of XX/XX/XXXX, that sell date was stopped once all the dept heads got together and agreed that I was given incorrect information, I provided additional information, after one year after starting the process with Caliber, my loan modification was turned down, Caliber stated the reason was my debt ratio was to low, yes I can afford the monthly payment, however I can not pay the amount past due, from the beginning Caliber stated they had many loan programs in house to help me with the past due amount, I was advised from the Point of Contact person to submit a appeal letter, stating that I can afford my monthly payment but not the past due. On XX/XX/XXXX I submitted an appeal letter to Caliber thru their web site, I called Caliber to verify they had in fact received my appeal letter, I was informed yes it was uploaded and they received it by the dead line to appeal. Now recently I am informed by Caliber there is a sell date on my home for XX/XX/XXXX, I was additionally informed that my appeal was never reviewed, I was advised when I submitted my appeal that no sell date will be placed on the property while my appeal is pending. This is so wrong.
Consumer complaint received 2017-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (NY)

See below the email I sent Lend Key who is now servicing my loan from  XXXX , which was a loan I took to study at  XXXX    XXXX   in  XXXX , Massachusetts.  <P/> " Hello, I am writing this email as I am now aware that Lend Key is the new servciver of my  XXXX  loan.  <P/> I have made on-time consecutive payments with  XXXX  since  XXXX .  <P/> Unfortunately, with the transfer of the loan to Lend Key, my   XX/XX/XXXX   payment of {$170.00} was not made therefore putting my account in a delinquent status.  <P/> I have made the full payment of {$170.00} as of   XX/XX/XXXX  , and have set my account up for automatic electronic withdrawals.  <P/> I would like for you to PLEASE consider removing the delinquent status from my account as it is severely affecting my credit history.  <P/> I understand that you made  three  attempts via email since  XXXX , and multiple phone calls, but unfortunately I did not receive the emails and perceived the phone calls to be " scam '' or " telemarketing '' phone calls.  <P/> Like I said, I have since made payment to rectify the problem and am sincerely hoping that you will look at this case as an exception to the " rule '' in place, as I do not feel at fault for this delinquent status.  <P/> I have made things on my end correct, and am begging you to do so as well.  <P/>  Student Loan Debt  is a serious problem and can cause serious trauma in a person 's life, so please consider this case seriously to remove the delinquent status from my account.  <P/> Thank you for your time and consideration. "
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (IA)

I originally had student loans throught Department of Education, Nelnet ... in XX/XX/XXXX of 2013 I consolidated all of my federal loans through XXXX. However on my credit report it is showing up as more than 120 days late but has a balance of {$0.00} and states that 100 % of the loan has been paid.
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

XXXX County Fl was declared as a Major Natural Disaster Area by FEMA due to XXXX  XXXX. Source here : https : //www.fema.govXXXXXXXX  Incident Period : XX/XX/XXXXMajor Disaster Declaration declared on XX/XX/XXXX XXXX XXXX states that if your home or place of employment is located in an major disaster area where individual assistance has been authorized and your loan is owned by XXXX XXXX , your lender/servicer ( the company you make your mortgage payments to ) can extend a full range of relief options, including : Forbearing on your mortgage payment for up to one year Suspending foreclosure for up to one year Waiving assessments of penalties or late fees Not reporting forbearance or delinquencies caused by the disaster to the nation 's credit bureaus.
We contacted our mortgage company looking for relief as we have been displaced and incurred costs due to the hurricane as I know many other have. Ditech is not offering relief options during this time of a Federally Declared Disaster.