davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX At The Avenues on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2020 Capital One Auto Finance sent me a letter attempting to collect a debt. 

I have sent Capital One Auto Finance to investigate the account and provide verification, Capital One Auto Finance did not comply and is in violation of 15 usc 1692g ( 3 ).

Capital One Auto Finance has also threaten to repossess property belonging to me, which is a violation of 15 usc 1692d ( 1 ).
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN ADJUSTMENT BUREAU,INC. (MD)

My name is XXXX XXXX. I am XXXX and I am XXXX year old. I move out from XXXX and I live in XXXX with boyfriend. I just went check my XXXX   XXXX and I found my credit only XXXX. So I went to see what wrong why it low and I found out i owe hospital bills on XX/XX/XXXX Also I wasnt there and I owe cable I never have cable on my name. I move in XXXX on XX/XX/XXXX. I was so upset my father was theft my name and lost my credit. So I dont want to pay my three owe.
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I got behind when I lost my job and we couldn't pay my mortgage on only my husbands salary while feeding our XXXX kids. 

I now have steady employment and make enough money to pay my mortgage, I applied for a loan modification and was denied because my lender says I don't make enough money to pay my mortgage. I just received a substantial pay raise and sent evidence to my lender but they Have not removed the XX/XX/2018 sale date nor have they reviewed my new income. They told me I have to wait for the denial letter before they can review my new income/loan mod application. We don't have time there is a sale date XX/XX/2018
Consumer complaint received 2019-06-10
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. (KY)

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 a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ;
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a secured XXXX $ credit card with bank of America I was charged for an unknown item was not contacted about it paid the balance and never used the card again sometime later I checked my credit to see the had a collection for XXXX $ I don't know where this came from I never received a letter or any contact from bank of America.when I disputed it they said it was correct but provided no proof I called to do a pay to delete because they stated it was the only way to remove it being that it was so old. it was only XXXX $ even though i know I didn't owe them anything. after I paid that XXXX $ I waited for them to remove it nothing happened I had been tricked and lied to I've gone to the bank called on the phone and now nothing I would like validation and this account deleted from my credit report thank you
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am the victim of people of bad faith. I never received anything from them, neither invoices, nor reminder since the address they were using was false. 
when i finally received a letter from their service through my postman i immediately contacted them, paid and received payment confirmation on XX/XX/XXXX at the correct address. 
How could I pay an invoice that I do not receive. and this is valid for the whole ARS file. ( 6 ) It seems to me that my dispute is perfectly founded and I request the total erasure of these inscriptions. 
I am considering hiring a lawyer but I am awaiting your decisions.
Consumer complaint received 2021-05-03
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: CITIBANK, N.A. (CA)

This involved a fraudulent charge made on XXXX for an amount of {$73.00} on my Citi XXXX XXXX credit card ending in XXXX. I saw this and contacted Citi right away ( the very same day ). Interestingly enough, this fraudulent charge happened with a Virtual-Account number that I had generated on Citi 's website for an online purchase. Before I could actually use that temporary number to make that purchase, someone else had. 

My login username was de-activated by Citi the following week alleging " low-level fraud '' pretty much confirming that there was some fraudulent activity on my account. 

Over the course of three weeks following XXXX, I have contacted Citi multiple times and I've been told my numerous customer " service '' reps that I should see a credit on my account in a few business days. Every single one of them lied to me because it's three weeks and I still haven't seen that credit. 

With an average charge-up of XXXX {$1500.00} per month on my end on this credit card, I really don't understand why Citi is jerking me around for {$73.00}.
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Approximately 5 years ago I contacted Sallie Mae in reference to PSLF - public service loan forgiveness. I have worked full time as a government attorney since XX/XX/2009. I was told that there was no way to make my loan eligible for PSLF. This was not correct information. They put me instead into a 20 year loan. I spoke with Navient yesterday and they told me that I was given incorrect information, that a simple consolidation would have made my loan eligible. So basically Sallie Mae / Navient was deceptive in that I could have been half way completed with my student loans, and instead they expect me to start fresh the 10 year standard payments that I've already been paying for nearly 10 years. This was completely deceptive behavior. I've been paying nearly mostly interest payments for 10 years already, all of that time while being a public servant. Instead of assisting me in my request for PSLF, they deceptively told me I would not be eligible.
Consumer complaint received 2022-04-26
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. (NH)

on XX/XX/22 @ XXXX ; XXXX i spoke to Equifax agent XXXX here she told me on XX/XX/22 a collection will be fall off my credit report. I decided to call back and request for it to fall off sooner and request acct deletion i called Equifax back on set date XXXX spoke to Agent XXXX where he put in a dispute for acct deletion before XX/XX/22 of Collections XXXX XXXX XXXX. 
Between XX/XX/22 and XX/XX/22 Equifax re added XXXX XXXX XXXX. I spoken to XXXX from XXXX XXXX XXXX where i was given permission to record conversation where XXXX stated they did not hit my report telling me Equifax must of done it. Equifax dropped my credit score XXXX points as of today XX/XX/22 i believe Equifax is harassing bully me by XXXX my credit.
Consumer complaint received 2019-06-10
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. (KY)

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 a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 12 XXXX   XXXX XXXX XXXX  ) XXXX ; XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MS)

In 2011 Wells Fargo closed my accounts stating that I had a fraudulent deposit and froze all funds in my accounts. I went to the bank and ask for an explanation and they told me the IRS did it. I called IRS and they did not nothing about it they told me that I had to contact the back. There was no case under my name or business name. So I went back to WF and they kept insistent that the IRS made a hold. Every week I would call WF to check on the status and nothing. I than started to go to the bank so the tellers could help me and we would stay around 2-3 hours repeating our selfs and no answers. It took around 1 year and 3 months to be able to get my funds, the manager of the XXXX XXXX branch help me. We had called before and they told us to call them back in a week, so I went to the branch and called and same answer, but this time they had put my money in Unclaim funds which I dont understand, every week I was calling to check on the status. Well they told us that it would take 3-4 days to get that money and the manager told them that I was getting very upset and that this needed to be fix today because I wasnt going to leave with out my money. I request for the bank paid me interest since they kept my money for more than a year and they gain money with my money. They said no interest would be paid in.
Consumer complaint received 2023-06-10
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MA)

I am the cosigner ( parent ) of a student loan with the company American Education Services and have been getting bills in the mail for approximately 2 years telling me the loan due date and amount due. I then pay the bill online through ACH payment. I recently received a late payment of {$2.00} and was threatened about being in default. When I called to have the late fee removed I was told that they had to ask for permission through a formal procedure. I received a letter in the mail about 2 weeks later stating they they were not going to remove the late payment charge. When I called and inquired I spoke to agent # XXXX and was told that because the payment was initially late they were not going to refund it. At this time I was told I could make a complaint with them in writing. 

I do not understand why the late fee was not removed and have no desire to file a written complaint as I know it would not change the result. This was an honest mistake as a direct result of them not sending out the bill. Also, I have never had a late payment with them before, and they do not allow for automatic payment of the bill making it much more difficult to keep track of. I am XXXX years old, have excellent credit and over the years have made several mistakes which resulted in late payment charges. There has never been an incident where the late charge was not subsequently removed upon request. 

I believe these predatory companies should not be allowed to get away with this. If I was not looking out for my daughter there is very little chance that she ( or anyone else her age ) would have the wherewithal to stand up to these type of companies. This is not a great deal of money but it is the principal. It is disgusting to me that this company would not refund a {$2.00} late fee. They are making an enormous amount of money off these students as it is with their inflated interest rates.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello I filed a complaint with XXXX, XXXX and TransUnion about discrepancies on my report. I also sent court documents that I received from my bankruptcy discharge. XXXX just sent me an email stating that the creditors that disputed with them are showing as accurate and verified. I need help resolving this matter. I feel like my rights are being violated.
Consumer complaint received 2021-02-07
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: WELLS FARGO & COMPANY (CA)

During the coronavirus pandemic and never being late on my credit card payments in seven years and never late with the history of Wells Fargo the first time I made a payment late although I submitted help with the pandemic they are telling me that I have not successfully submitted assistance. This is a complete lie and I was able to speak to someone over the phone and they told me that they would be enrolling me in deferred payments on my credit card due to the coronavirus pandemic. I was able to successfully submit my mortgage deferment and as soon as I was completed it online a few days later I called in in regards to my credit card via the customer service line they assured me and made sure that they would be ok with my credit card. I truly believe there was a lot of pressure and many people calling in for assistance and it may have slipped through the cracks but I called in and requested for deferment Wells Fargo has many fraudulent activities in the past and has been sued and issued many fines. Im requesting that The pandemic assistance program was requested for my credit card. Moreover, as soon as the late payment was reported I immediately paid off my credit card and set up auto pay and there has never a late payment since, and never have I ever had one prior. In addition, out of goodwill and a one time 30 day late in my history of XXXX payments, I am peacefully requesting that Wells Fargo remove the late payment reflected on my credit score.
Consumer complaint received 2022-11-17
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. (MD)

Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.
Consumer complaint received 2021-11-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - Caliber Home Loans reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with Experian Reporting Agency. I have called Experian and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from Experian, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : //files.consumerfinance.gov/f/documents/cfpb_fcra_consumer-reporting-faqs-covid-19_2020-06.pdf Thank you, XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I Checked credit XX/XX/2023 i filed Identity with Identity Theft > GOV sent it to Equifax and i still havnt gotten any respounds from Them about removing These accounts and inquiries Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MO)

CitiMortgage & their law firm XXXX XXXX XXXX ( Missouri ) continues to send foreclosure letters ( Dual tracking ) while I am in the process of a loan modification on my home. The foreclosure date is now scheduled for XX/XX/2018. All the while CitiMortgage continues to ask for additional documents and no determination has been been made. 

Citimortgage will not accept any payments, nor tell me where to send payments to either. I don't know whether to send payments to CitiMortgage or their Law firm XXXX XXXX XXXX. 

They also refuse to consider my husbands income as I am currently ill & pregnant and can not work. The mortgage loan is in my name. Citimortgage will not agree to add my husband to the mortgage either.
Consumer complaint received 2017-12-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (GA)

XXXX XXXX : XXXX/XXXX/2017 On the date above, I submitted a loan request for the amount of {$500.00} because I was in a desperate need to pay some bills. It provided relief for that week only and after that I have been in a constant struggle trying to pay the loan back. With an APR of 700.01 %, it 's like I 'm never going to pay the loan back. In the end, I will have paid back {$2700.00} over a {$500.00} loan. I have called a couple of times to skip a payment but all that does is put the payment on the back end of the loan.
Consumer complaint received 2020-09-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (TX)

My Car got wrecked by a customer that rented my car through XXXX, my insurance paid off the XXXX  value of the car, my gap supposed to have covered the remaining balance but failed to do so, i didnt notice until i checked my credit profile and noticed a significant drop on my credit score.
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cawley & Bergmann, LLP (OH)

Received a call on XX/XX/XXXX from a representative at Cawlee and Bergmann. Sent a cease and desist and I have received two more calls since XX/XX/XXXX.