davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (NC)

I have sent letters to XXXX XXXX XXXX asking them to show proof of validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt XXXX XXXX XXXX. NOT who they have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). They responded and could not prove that i indeed owe a debt to XXXX XXXX XXXX. They are collecting for a company I have business with not them. With no signature of mine with XXXX XXXX XXXX. Account # XXXX
Consumer complaint received 2017-09-27
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: ERC (NJ)

I reached out to Enhanced Recovery Corporation regarding an account ( # XXXX ) that has information attached and requested validation for the reported debt. This account was reported to all three credit bureaus ; however, it is now solely reported to XXXX. In the attempt of having the company remove this account due to their inability to provide validation of me owing this company, they have constantly sent a bill from XXXX with my name on it which is against the law according to the FDCPA ( 809. Validation of debts [ 15 USC 1692g ] ( c ) ). I have asked for documentation containing my signature stating that I owe Enhanced Recovery Corporation and they are not cooperating. 

Here 's a time line of my communication in the efforts to rectify this matter : XX/XX/XXXX : First letter sent to ERC XX/XX/XXXX - XX/XX/XXXX : Account removed from both XXXX & XXXX report XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00}
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NJ)

I had an account with Walmart. The account was sold to XXXX and then again to XXXX XXXX. I have paid this account in full to XXXX XXXX and Walmart will not remove/update this information with the credit bureaus. They are telling me that XXXX XXXX has to report it when in fact they ca n't report a payment that they never reported delinquent. The person reporting the delinquency has to report the payment.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (WA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Consumer complaint received 2023-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have recently been trying to resolve late payments that capital one has reported to the 3 credit bureaus on my account. On XX/XX/2023 Capital One granted permission to XXXX to remove my inaccurate late payments from my credit report, which I was very grateful for as Im trying to buy a home for myself and my daughters. I called XXXX and confirmed with an agent that the late payment had been removed and I was told Capital One agreed to remove the late payment. I then called Capital One asking if they could report this to the other two bureaus and was met with attitude from a supervisor on this matter. Today, XX/XX/2023 the late payments showed back up on my XXXX credit report further damaging my score. This has severely effected my plans of buying a home and does not seem appropriate according to the fair credit reporting act. If you could please help me resolve this matter it would be greatly appreciated. Thank you!
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

this account, " XXXX XXXX XXXX XXXX  '' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NY)

I was trying to take money from chase ATM XXXX XXXX XXXX XXXX NY, AT M chase Morgan never give me cash and they deducted {$500.00} from my card plus fees, I attempted to calling them same night 7 times and the customer service was unable to get to help me. Im stressed and discussed with this, please help me, XXXX XXXX or XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MD)

I contacted XXXX XXXX XXXX XXXX multiple times one date being XX/XX/year> and XX/XX/year> letting them know that I opt out of them sharing my nonpublic information with nonaffiliates like Early Warning Services without my permission or consent. They have shared over 8 different checking and savings accounts and over 71 of my transactions from all 8 accounts and their status Please see attached documents for reference.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (MI)

RoundPoint Mortgage is reporting to XXXX as " Paying Partial Payment Agreement '' XX/XX/XXXX and XX/XX/XXXX. Also reporting " Account in Forbearance '' XX/XX/XXXX, during which time the Loan Modification process was still pending. 

Payment information/loan terms are still not correct. Shows a scheduled payment of {$1300.00} with an actual payment of {$1300.00} ; Terms {$1300.00} per month, paid Monthly for 480 months. Billing statements clearly show {$1300.00} due.
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (SC)

I entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2016. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, XXXX XXXX XXXX a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to XXXX XXXX XXXX, and they are liable for each fdcpa violation pursuant to XXXX XXXX XXXX. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations and apologize.
Consumer complaint received 2020-06-02
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. (MO)

I wrote a letter to Experian credit bureau regarding a bankruptcy showing on my credit report. They stated that the bankruptcy court reported this to them and I also submitted a second letter with the letter from the bankruptcy court and Pacer and both letters stated that they do not report to credit bureaus nor do they report to determine credit worthiness. The letter from both stated that I should contact the CFPB. 
Experian sent me a letter and stated that a consumer reporting agency verified the bankruptcy. They would not give me the name of the consumer reporting agency or the person/company that the consumer reporting agency received their information. 
I have tried to dispute this with Experian via telephone and in writing and they keep giving me the same answers. 
I am asking you to intervene so that this can be removed from my credit report. It is hurting my credit. 
Thank you so much for your help in this matter ... it is really appreciated!
Consumer complaint received 2023-08-13
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Amscot Corporation (FL)

Got a payday loan from Amscot and when I could not pay back when the loan was due. I first call and had to get extended two and a half weeks, and second time a week on the phone, but do to hardship I still was unable to pay, so I went in on the last day they had extended it. And ask for a grace period extended and was denied. And they said because they had extended over the phone twice without me know that they was going hold it against me when I actually went in to ask for a grace period extension. They also said, they was going putting the check through and charge me XXXX dollars.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

IN XX/XX/2018 I SWITCHED FROM THE WIRELESS CARRIER XXXX XXXX TO XXXX. XXXX PAID MY REMAINING DUES FOR MY PHONES ANMD LAST BILL. XXXX ISSUED A CARD WITH REMAINING PAYMENT OF {$1300.00} AND I PAID THE REST OUT OF POCKET. XXXX XXXX SAID THE ACCOUNT WAS PAID YET IT NOW SHOWS THAT IT IS IN COLLECTIONS. I HAVE DISPUTED WITH XXXX  AND THEY INFORMED ME THAT THE ACCOUNT WAS INDEED PAID AND THE COLLECTION WILL BE REMOVED.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been monitoring my credit through XXXX XXXX as Ive been trying to pay off everything. I noticed that my TransUnion score dropped 35 points in one day. So I called TransUnion. They proceeded to tell me my account was inactive and they couldnt provide me with any information about my score. They couldnt explain to me how it was possible why it was marked inactive, but she eluded that it would become active if I was paying for monitoring. I refused to pay then I was told to dispute online, which I proceeded to do only to find they want my credit card information. They will not help me at all without payment. I have also tried to find a phone number to speak to someone at credit karma without success. Im trying to fix past mistakes and get my credit in order only to find out that Im at the mercy or orgs that dont really want to provide any customer service. What are my options?
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX Account ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), REVOLVING # XXXX ( XXXX ), and Revolving # XXXX ( Equifax ), as well as 2. DEPT OF EDUCATION/XXXX XXXX Installment XXXX XXXX : 3. US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX. U.S. Bankruptcy Court Reference # XXXX XXXX. SYNCB/PPC # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX / 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
Consumer complaint received 2017-03-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS servicing has been stalling my loan mod application since XXXX/16. 
They request documents they already have, they say there is an issue with them when they are 100 % accurate. In many cases I just resubmit the original document and that ends up being approved. 
The process repeats itself with all other requested documents and I have to wait 5 days for each XXXX to know if it 's been accepted. 
Once again, they received 100 % accurate information on XXXX/16 and all requests for updated info were not needed since they already had it all.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. ()

Good morning, I hope you are doing well. I am writing this complaint because since XX/XX/XXXX, my XXXX XXXX  Citibank XXXX card, through which her pension is deposited, expired. This has caused many inconveniences, as she currently has a XXXX  condition ( advanced XXXX XXXX XXXX and XXXX ) that prevents her from traveling to the United States to reissue her XXXXt card or engage in a phone call with any bank agent. For this reason, since the card expired, I contacted Citibank and was informed that to request a new card, I needed to submit certain legal documents to verify the information. The requested documents were as follows : XXXX  certification justifying my XXXX XXXX XXXXXXXX condition. 
Court document granting power of attorney to me. 
Requested 'Action Required ' letter with the current bank information and the desired updates ( social security number, account details, card type, previous address, previous phone number, current address, current postal code, current phone number ). 
XXXXXXXX XXXX XXXXXXXX of XXXX XXXX XXXX XXXXXXXX. 
All the aforementioned documents were duly apostilled and notarized at the United States XXXXXXXX XXXX XXXXXXXX. Following Citibank 's instructions, these documents were sent on XX/XX/XXXXXXXX XXXX XXXX  certified mail. The delivery of these documents was confirmed to me on XX/XX/XXXX, at XXXX a.m. at the address provided in XXXX XXXXXXXX XXXX However, as of today, XX/XX/XXXX, I have contacted Citibank on several occasions and have not received any response or update regarding the request to update the information, which I understand should have been received on XX/XX/XXXX. 

The response I have received after several calls has been to resend all the legal documents or to travel to the United States, neither of which are viable options. Firstly, because the legal documents that were sent were not copies, and secondly, because these are time-consuming and costly procedures. Additionally, I currently do not have a visa to enter the United States. However, I have attempted to apply for an emergency visa through different channels, but it has not been possible. Currently, the appointment at the embassy is scheduled for XXXX. Therefore, I request that Citibank provide me with a solution or response to the aforementioned case, as despite meticulously following all the processes indicated, I have not received any favorable response, and these resources are needed for the maintenance of my mother due to her XXXX condition.
Consumer complaint received 2016-09-24
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BB&T CORPORATION (MN)

I purchased a car from regional acceptance corporation XX/XX/2014. I started off with XXXX and have paid XXXX on this loan, the payments are XXXX a month. The loan is still at XXXX, it 's crazy. In 31 months I have basically not been reducing my loan amount at all. I have tried to refinance for a lower monthly payment, they will not work with me on this. They have sent me off to other lenders and nobody else will work with me, not even my own bank because the value of the loan and XXXX price of the car is XXXX. I have over XXXX in negative equity. No loan officer, nor car dealer will work with me. I am praying and thank GOD that a door will open. I was gon na make bigger payments to try and pay the car completely off, just not able to make that happen right this minute.
Consumer complaint received 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Student Loan Finance Corporation (OH)

I borrowed {$13000.00} in 2003 from Student Loan Finance. I became extremely I 'll in the middle of the XXXX semester, resulting in XXXX XXXX over the last XXXX years. Student loan XXXX has been unrelenting. They have told me I need to borrow the money from family members or get another job. They have been unwilling to accept any form of payment other than what they want and have threatened to sue me.
Consumer complaint received 2024-01-27
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)

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. 

Account Name : DEPTEDNELNET Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2017-05-01
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)

On  XXXX / XXXX / 2017  I sent a dispute letter to Transunion stating that I never made late payments on my   XXXX   XXXX   account #  XXXX . After 30 days I never received a reply from Transunion. I sent them a second letter certified mail on  XXXX / XXXX / 2017  explaining that under th e Fair Credit Act they ar e required to delete the late payments being disputed. I have not heard back from them at all and they did receive the letters.