davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I was in the process of refinancing my home. I was working with two companies at the same time, XXXX and AmeriSave. My Loan Originator at AmeriSave,  XXXX XXXX, had me cancel my existing refi loan with XXXX that was set to fund the next business day and promised me a loan that was $ XXXX cheaper with the same 2.75 % interest rate. That loan with XXXX was already completed and signed but I had 3 business days right of refusal. I canceled my XXXX refi loan 12 hours before it was set to fund based on my conversation with XXXX and his promises to me. Once I did that XXXX then delivered a closing disclosure with more than double the loan costs that were promised. Unbelievable!! I have been fighting with XXXX and his manager XXXX XXXX ever since to try to get what I was promised. On top of that I have been dealing with AmeriSave and this refi going on two months now, which is a ridiculous amount of time.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I CALLED TRANSUNION BECAUSE THESE INQUIRIES WERE NOT AUTHORIZED TRANSUNION 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 Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX
Consumer complaint received 2021-05-21
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. (FL)

I have an unverified account from the XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began. 
6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I request that the XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working for better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 to 90 days late to the credit bureaus ( XXXX XXXX and XXXX ) between XX/XX/2015 and XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time or to my address.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi got the following on my credit report which is not known to me. 

XXXX ) XXXX  35 hard inquiries and 2 late payments. 

XXXX ) XXXX 22 hard inquiries and 2 late payments. 

XXXX ) Transunion 18 hard inquiries and 2 late payments All this late payments and hard inquiries are not from me must have been an identity theft of wrong identity case and it is wrongly reflecting on my credit report
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

I am a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (RI)

Jefferson Capital bought an old debt from XXXX from 2014 and opened an account within their office and then charged the debt off. The original debt had been charged off in 2014. The negative impact on my credit score triggered my bank to close my Home Equity Line of Credit. I am under the assumption that debt over 7 years old from the original creditor can not be reported as a new account, or even be reported on my credit score.
Consumer complaint received 2022-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I filed a dispute with Capital One in XXXX of 2022 for an item I purchased but had not received. Capital One disputed the item and returned funds. In XXXX of 2022 I received a letter stating the merchant disputed and funds would be rebilled. I needed to respond with a letter in a certain amount of days in which I did but capital one is saying not enough info was provided in the letter. I called back and was told I needed the case reopened and to send in phone records proving I called the company and they would resolve the issue. After waiting for 2 additional weeks I called capital one back and they are now stating the original letter I sent in did not mention the companys return policy but I dont understand the relevance of a return policy when I never possessed the item and I clearly mentioned it in the letter. I never received an item from the company to possibly return it. Capital one has requested I send in several items and each time I have done so. I was advised by a capital one representative the company I am disputing against has indicated they are responsible and ok with returning funds however capital one is stating its conflicting what they are saying and unable to acknowledge. I have once again been advised to send it additional documentation concerning this matter. I have been given 2 case numbers from capital one XXXX and XXXX.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Reported to Equifax that the information reported does not belong to me. This includes my birth year, other address, and some accounts. Have also reached out to the companies for validation and the were unable to send me any validations that these accounts belongs to me. Equifax has not updated me or contact me that they have corrected this information. The inquires I contacted the other party and they advised me to reach out to Equifax and the other bureaus to remove and vice versa Equifax and the bureaus said the same thing the other parties stated to contact. Please remove those inquires. Please see the attached documents that was sent to Equifax by fax and mail to correct any information.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 XXXXXXXX has violated my rights. 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 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.
Consumer complaint received 2016-11-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

My Federal loans were all taken out before the bubble burst and I was saddled with a 7.1 % interested rate. A number of my loans were sold off to different lenders during XXXX and I consolidated them to keep them all in one place however I am now stuck with an impossible interest rate which is exploding my debt. I want to be able to be able to refinance.
Consumer complaint received 2022-09-06
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: CITIBANK, N.A. (CA)

I have been the victim of identity theft, and my personal financial information has been utilized without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am requesting communication from you freeing me from accountability for this debt and notifying credit bureaus and collection agencies. I appreciate your upcoming consideration of this matter.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OR)

I had an agreement with Navient in XX/XX/XXXX that I was on income-driven repayment with an automatic monthly payment of {$30.00} a month. This {$30.00} was withdrawn from my account once, and I was under the impression that it was regularly happening every month. In XX/XX/XXXX, {$260.00} was withdrawn from my account from Navient. I called them to inquire, and they explained to me that {$30.00} was only withdrawn once from my account in XX/XX/XXXX, and that my autopay and income driven repayment was put on a HOLD for a reason they COULD NOT DISCLOSE. As a result, a lapse occurred, and the regular monthly charge was withdrawn from the card that I had linked to the Navient account without my knowledge. I was in dire straights financially for two months to follow. I had to spend time on the phone with my bank getting an overdraft fee refunded, and I had to borrow money to pay rent. I always want to remain current on my loans as best as possible, so I tried again to set up income-driven repayment. After submitting current paystubs to Navient, they did not send a response in any medium and I just assumed all was good. An email popped up XX/XX/XXXX that my new payment was due and is {$270.00}, clearly not honoring any sort of low-income status. I called them and they said my paystub documents were illegible. How was I supposed to know this? So here I am, several forbearances later, continually accruing interest and desperately trying to just throw a bone of $ XXXX a month on my student loans. It never works! Navient is playing a game.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

I received a letter from this company demanding payment for a debt that I do not owe them. To my knowledge I have never entered into a legal binding contract with this company and they have never provided me with any good or services. I believe them to be nothing more than a debt buyer
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I made a payment to my card on XX/XX/XXXX via direct payment from my checking account using the account and routing numbers. The payment was processed by my bank the same day and Processed by Synchrony within 2 days. But now, 6 days ( XX/XX/XXXX ) after payment, they are telling me that my payment is being held for 3 more days until XX/XX/XXXX and will not be credited to my account for use until XX/XX/XXXX. My payment in there system shows " processed ''. There response to this was " However, some times large payments takes times to get updated for various reason. '' I explained that {$300.00} is not a large amount and that it isn't right for them to hold my money XXXX. I cited the Consumer Financial Protection Bureau, XXXX Payments ( a ) General Rule. " A creditor shall credit a payment to the consumer 's account as of the date of receipt. '' That didn't seem to matter to them. So I asked to speak to someone who can help me. They said there is no one available through chat and I would have to call, but that no one would be able to take the hold off of my funds.
Consumer complaint received 2021-10-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I have made several attempts with Transunion to obtain their method of verification to my original disputes of an inaccurate bankruptcy being report in my credit file that they maintain. And every time, they reply back with vague or dishonest responses and a failure to comply! I am including my latest dispute letter dated XX/XX/2021, along with their latest response, a copy of a letter from the United States Bankruptcy Court and a copy of a letter from XXXX. I am seeking assistance from the Consumer Financial protection Bureau to compel Transunion to either produce the appropriate verification information or to permanently delete the bankruptcy from credit file! Thank you in advance! XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (FL)

Attached is an IRS accepted 1099A, that was filed on my account with GM Financial. The IRS has accepted receipt of this 1099. The following account has been paid in full and this should be reporting paid as agreed with a XXXX balance and no negative remarks or delinquent payments. I am demanding that this account be updated to the paid in full status. The IRS has accepted that the borrower was personally liable for repayment of the debt.
Consumer complaint received 2021-06-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This XXXX XXXX account is reporting incorrectly. I have disputed several times, always comes back as updated. 

Date of last payment states XX/XX/XXXX as {$0.00}. 
It also states as XX/XX/XXXX {$100.00} paid on time. ( which I have a bank statement confirming ) On XX/XX/XXXX, I also made an on time payment of {$73.00}, which I also have a bank statement to confirm. 

Not sure how this keeps coming back to me as updated and verified when I have proof of payments made on this account. 

I will be enclosing a copy of the credit report supplied by Equifax on XX/XX/XXXX.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, I am XXXX years old, I am currently a XXXX and employee at XXXX XXXX here in XXXX XXXX, California, I have been a customer at Bank of America since XX/XX/2006 and I think their overdraft fees policy is ripping customers like me off, especially their extended overdraft fees policy which put customers like me in a deeper hole, they have been sued because of their overdraft fees policy and I think me and other customers are being ripped off because of their policy. 

My contact information : XXXX XXXX, Debit Card Number : XXXX Thank You XXXX XXXX
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 — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a letter from Capital One, XXXX stating they were furnishing inaccurate information on my Consumer Report. After identifying this fraud, I was informed by Capital One, NA that they would be sending a request to the Consumer Reporting Agencies to have this inaccurate information removed. However, it has been over XXXX XXXX and this negative, inaccurate information is being furnished. I contacted the Consumer Reporting Agencies and was informed that they never received the deletion letter. Capital One, XXXX is continuing to ruin my financial reputation and shall be fined {$1000.00} per day upon receipt of this notice for willful and negligent noncompliance pursuant to 15 U.S.C 1681n and 15 U.S.C. 1681o.
Consumer complaint received 2020-10-19
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2016-10-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America and their representatives, including XXXX XXXX, have engaged in the practice of distribution and sharing financial, personal, private, and privileged information contained within the borrower Home Loan Modification Status iportal, My Documents tab page with external users without my permission or consent. It is this long established Bank of America practice that has allowed for the destruction of documents and documentation related to my home loan mortgage account. 
This on-going conduct on the part of Bank of America and their representatives is, in part, the reason I have ha to lodge over sixty ( 60 ) CFPB Complaints regarding Bank of America 's handling of my home loan mortgage account records throughout the loss mitigation and modification processes and have been incorrectly denied a MHA HAMP, MHA HAMP TPP, and incorrectly forwarded to foreclosure. 
There is simply no way Bank of America can come up with an explanation for such errors in processing and handling upon complete and independent reviews of the mortgage and service records for which decisions are based and made. The whole reason for such reviews are to ensure any action taken on an account are based on the complete and current record resulting in accurate and correct decisions. This simply has not been the case in this instance throughout the modification and loss mitigation processes to date as evidenced by the multitude of errors in processing, procedure, law, regulations, and guidelines. In other words, these errors have not been due to Bank of America representative and employee lack of knowledge of specific procedures required in the performance of their duties.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I sent several letters via the the Unites States Postal Service to Transunion demanding appropriate documentation or removal of several inquiries to my credit report that I do not recall authorizing. It has been over 60 days since the letters were sent and I have recieved no correspondance, no proof of authorization and the disputed inquiries have remained on my credit report.