davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I XXXX dollar payment posted. Also the funds came out of my bank. When this happens my available credit goes back up. Customer service states they have the right to wait 7 additional days before allowing me to use my money. This has never happened to me before. I dont think this policy is legal. I made those payments because I am relying on the available credit to pay bills. 

This is Capital one
Consumer complaint received 2019-05-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

XXXX and XXXX have been paid and are incorrectly showing which is harming my credit report. Also XXXX XXXX is showing incorrectly
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am unaware of this account by the name XXXX XXXX XXXX XXXX XXXX  XXXX. Please validate this information with the creditors and provide me with any documentation associated with these accounts. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful records of your actions.
Consumer complaint received 2022-08-10
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. (FL)

EXPERIAN : Attorney General Complaint sent XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EXPERIAN, has violated my rights.

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EXPERIAN, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well!

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 which was violated.

Additionally, in EXPERIAN initial investigation which I stated to EXPERIAN, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, EXPERIAN have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously.

EXPERIAN have violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. EXPERIAN, stated my account was properly investigated ; but, how is that possible if the date open, high credit, date of last active, date of last payment, account number, last reported, and payment histories, show inaccurate information from report dated XX/XX/XXXX and XX/XX/XXXX and " still '' showing same inaccurate information reported ( see credit report screenshots ). 
This is grounds for REMOVAL!
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Experian ( credit bureau ). This was actually a third letter to the bureau, stating that the XXXX XXXX account with a {$200.00} balance is fraudulent. The company refuses to abide by the law and remove this fraudulent account under section 605b of the Fair Credit Reporting Act.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of 2021 Kohls put a late payment on my account. This was a payment processing issue on Kohls end and was confirmed by three employees from Kohls and management when I called in. One of the employees even disputed the late payment for me because she said it was Kohls fault. The employee went out of her way to dispute after management was talked to and got management approval to do so due to Kohls taking ownership of the payment processing issue. The issue is showing on all three bureaus and has greatly lowered my score.
Consumer complaint received 2017-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : PORTFOLIO RECOVERY ASSOCIATES Account number XXXX ....
Consumer complaint received 2024-02-19
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. (CA)

XXXX XXXX XXXX XXXX # XXXX information is incorrect, different status information, different balance open date, different information than on one other bureau. This account is not on Equifax report at all. I have requested this be corrected for more than 9 months. Using Factual disputing and billing errors as allowed by the law Transunion should have deleted this from my report. It has been more than 45 days Why is the information still completely different and still reporting inaccurately? 

XXXX XXXX- Account XXXXX- This account is still reporting inaccurately and is not uniform or the same as the other bureaus. ONLY this bureau is still reporting inaccuate and incomplete information of this account on the report. Why has this been removed? It has been more than 45 days where I have requested for the information to be uniform across all bureaus. 

I have attached the credit report from XXXX, TRANSUNION AND XXXX. TRANSUNION has COMPLETELY DIFFERENT INFORMATION ON THE REPORT THAN THE OTHER BUREAUS. Please help hold them accountable. They must delete inaccurate and incomplete information and compensate me financially for spending more than 9 months requesting the same updates repeatedly.
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

On my credit report is a debt collection account from XXXX XXXX XXXX for the amount of {$260.00}. I have never had a collection with XXXX XXXX, I have spoken with XXXX  and they state they do not use CCS Collections as their collection agency and have never reported my insurance account for collection. CCS Collections has told me that XXXX reported the debt, they will contact them to verify, but I never hear back. When I call them they must have my phone number in the system because they hang up on me. The credit agencies I wrote and disputed the collection all they can do is put a message on the file, but it is impacting my credit score to have this collection on my reports. CCS refuses to remove the collection even though XXXX does not use this agency, I believe this is a completely fraudulent posting to my credit. I need this agency to remove this collection, but they refuse even though XXXX states they never sent me to collection and does not use this agency. Additionally, I have never made a payment on this debt to reduce it from {$260.00} to {$160.00}. CCS refuses to verify this debt with XXXX.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I have been working in   XXXX   jobs for close to 4 years now. I have also been working to pay off my federal loan through th e Public Service Loan Forgiveness Program. I first  submitted 6 months cert ification ( out of 1 year employment )  to request credit for 6 months of payments and enrollment in the PSLF program. I initially was sent a letter saying the certification was valid and I would receive 6 months of credit for the one year I worked in my first   XXXX   job. I then transferred to another  XXXX  agency where I have been for almost 3 years. In those nearly 3 years, I have submitted yearly certification to show I am in the PSLF program, making on time Income Based payments and working toward the 10 years of service and payments before loan forgiveness. The Fed Loan company ( My Fed Loan ) routinely does not recognize these certifications, or says I have not submitted them, and does not accurately reflect the over three and a half years of payments that I have made in the PSLF program. I am concerned that they are not honoring the work I am doing or the payments I am making. I again submitted another certification this month, to which they responded that they had not received anything and to please re-certify every year. It is a pattern that they continue to exhibit which shows to me that the PSLF program is not being run properly. I also do n't make very much money and the payments they are taking are nearly 1/4 of my total income. I am struggling to adjust to their most recent increase from {$490.00} to {$700.00}. I am a single parent putting a child through college and working in a relatively low paying public service job. Any assistance the CFPB can provide to remedy these issues would be appreciated.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (MD)

My original loan amount was {$300.00}. Somehow after a loan modification, the mortgage company added more or less another XXXX to my principle. I had filed for a hardship case, asking for a making home affordable loan. My late husband was in charge of our finances at the time. I have researched and can not find any reason for such an enormous amount of money being added to my principal. XXXX person I spoke with from XXXX XXXX bank said she had never heard of an amount being " increases to the mortgage '', but had only heard of amounts being " reduced, or deducted from mortgages '' .This increase has caused the house to cost more than actual worth, an upside-down situation. If I sell my house I will lose money. This is an absolute injustice. This is not a " XXXX XXXX XXXX '', it is the government bailed-out bankXXXX it 's consumers, and possibly getting away with it. I noticed when I made inquiry with XXXX, they had particpated in the home affordability act, but sold my loan or note to another bank soon after 2011. I was a tax paying citizen trying to avoid foreclosure. Now I am in a much worse predicament. I have attached some documents pertinent to this complaint.
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 — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I requested for XXXX, Equifax and XXXX to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.
Consumer complaint received 2021-09-09
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number:XXXX Reason : I don't recognize this account
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing has placed a derogatory mark on my credit report stating that I owe {$430.00} to XXXX XXXX. The account in question was closed and settled over 10 years ago. The company placed the negative item on my credit report on XXXX XXXX, 2016.
I have disputed the item on my credit report 2 times with the company and it is still being reported.
At this point, I am willing to spend more than the {$430.00} they are reporting, which is in fact over 10 years old, to bring suit in order to hold them accountable for their business practices.
Consumer complaint received 2018-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

XX/XX/XXXX, XXXX XXXX XXXX received {$25000.00} on my behalf from Hardest Hit Fund mortgage Reinstatement program. At the time I owed {$42000.00} XXXX XXXX XXXX had previously denied my modification applications on my loan due to a outstanding issue which was an appraisal submitted to XXXX in XX/XX/XXXX from XXXX XXXX XXXX. ( an XXXX company owned by me in the past ) I submitted an explanation or rebuttal explaining that I did not submit a report to XXXX and I had experienced a situation with theft of signatures that had been reported to the XXXX .They denied my explanation and refused my RMA. At that time I applied to the hardest hit fund, and as I said was approved for {$25000.00} reinstatement loan, which XX/XX/XXXX XXXX XXXX excepted. At that point I still has a past due balance. I called XXXX and was told to make my monthly mortgage payments of {$680.00} I paid XX/XX/XXXX, XX/XX/XXXX and when I went to pay XX/XX/XXXX the would not accept my payment and said I was back in foreclosure. They did not send me and intent to foreclose. In XX/XX/XXXX they did send a Modification package, but since they did not accept modifications from me I submitted a package through consumer debt councilors. XXXX XXXX did personally speak to the bank who was aware that I was looking to modify my loan to help pay the past due amount.My XX/XX/XXXX statement said my payment was late and I had a past due balance of XXXX On XX/XX/XXXX I received a notice that they were transferring the service on my loan to Carrington Mtg services, LLC as of XX/XX/XXXX. On XX/XX/XXXX I received a statement that XXXX was the total amount due and stated my loan was in foreclosure.I feel that they wrongly excepted the reinstatement from the government without providing me an agreement to pay past due amount, and feel they did not follow the correct procedure to return my loan so quickly to foreclosure. I am now having an issue with Carrington Mortgage they have a fraud item flag on my account due to a pay stub submitted in XX/XX/XXXX on my behalf that had the same year to date as the prior stub.This was received from a third party at my former place of employment and my only explanation could be they had ripped up my documents and than tried to put them back together. I have no proof, no longer work there and the company has had a completed employee turn over so no proof exists and they will not accept a modification package or repayment plan from me. I did hire an attorney from XXXX, XXXX XXXX, reputable Real Estate attorneys near me, but as luck would have it my attorney XXXX XXXX has quit his law practice in search of another career and I am stuck on my own. Please help me to find out if my rights have been ignored by XXXX and if I have any recourse. I just want to keep my home and pay my past due and current mortgage My loan is owned by XXXX XXXX   XXXX XXXX XXXX as Trustee for the holders of XXXX XXXX XXXX.
Consumer complaint received 2022-08-10
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. (GA)

This is my FINAL attempt to delete this account from my credit report. You have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your blatant disregard for the law is contemptible. Over the past 7 months I have made several attempts to remind you of your duty pursuant 15 USC 1681 and it appears you are intentionally and willfully being neglectful in remedying my affairs. 

Because of this, I am unable to rent or own a home and have been denied a major career opportunity. 
Due to your violation of the law under civil liability 15 USC 1681 ( n ) - Civil liability 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 amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and no 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.
Consumer complaint received 2018-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received a letter from Citizens Bank dated XX/XX/XXXX on XX/XX/XXXX, attempting to collect a negative balance of {$260.00} in my checking account XXXX. This amount is entirely made up of bank fees and overdraft charges created by a creditor debiting my account without permission or authorization. I have notified the bank by phone and mail about these circumstances, but have not received a positive response. 
I respectfully request that Citizens stop their collection process. I have been a customer of Citizens for 20+ years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA., XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I supplied Transunion with proof that ALL of my child support debts were paid off in full and were closed. Transunion erroneously added child support account BACK on my credit report that was not there before thereby causing a grave error and this is affecting my credit. Instead of removing the child support they ADDED child support? How can this be when ALL accounts were paid in full. To make matters worse child support is way too old to be on my report