davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on XXXX accounts in the past 7 years. Kohls/Capital One reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX and they updated the status to Never Late on XX/XX/XXXX but left the negative history on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XXXX or XXXX and it should not be reporting negative. 

My reports do show " Discharged through bankruptcy chapter XXXX/Never LatXXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for Kohls/Capital One to show what I mean by negative payment history.
Consumer complaint received 2018-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX  This account is still showing on my report even thought it has been paid and closed. We also agreed to make payment in return for the item to be removed from my report. TO date the company has not fulfilled this. Please delete this from my report
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have an account with XXXX XXXX which is closed for XXXX. The account is now reporting open on my equifax but closed on my XXXX and XXXX. Equifax is reporting the wrong information and is affecting my credit score and history.
Consumer complaint received 2020-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CT)

I receive 8 calls a day from the collections department. I have notified them I am unable to make a payment they continue to call. I ask to speak with a manager they disconnect and hang up on me.

I have sent something in writing twice requesting the phone calls to stop and to only send written communication. They say they have not received it.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Attached is Capital One letter stating account ending in XXXX was not displayed on my credit report Attached is XXXX  credit report reflecting : o Capital One Count starting as XXXX, {$1700.00} Balance o Another XXXX  credit report reflecting the account ending in XXXX, Balance {$1700.00} o Another Report reflect account number as XXXX, {$1700.00} Balance These are the same account, same amounts, different numbers, and should be removed immediately. 

The XXXX  credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX  XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also
Consumer complaint received 2022-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I applied for the XXXX XXXX XXXX assistance program in XX/XX/XXXX. I requested back and future payments as I was already behind and struggling to make my mortgage payments. I did not get notice of approval until XX/XX/XXXX. I received XXXX letters. The first one advised that I was getting XXXX toward back payments. The back payments were supposed to be for XXXX, XXXX, XXXX, and XXXX. I received a second letter advising that they were making XXXX forward payments. 

Pennymac received the first payment of {$14000.00} on XX/XX/XXXX. At that point I was only behind 2 months ( XXXX and XXXX ) payments totaling {$7400.00}. Pennymac could have done 2 things with the remaining amount of {$7400.00}. They could have put it towards future payments or refunded the payments I made in XXXX and XXXX and used that extra money toward those payments. Instead they made a principal reduction payment in the amount of {$7400.00}. 

I have tried to explain to Pennymac that the money is for payments, as this program is designed to assist home owners with payment assistance. I am being told that the monies have been applied correctly and nothing can be done to reverse this action as of now.
Consumer complaint received 2022-03-31
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. (MI)

XXXX Credit Breau XXXX Credit Reporting Breau Experian Credit Reporting Breau I have made numerous attempts since 2018 to have Fradulet information removed from the credit Breaus I have sent certified identity theft reports I have sent certified police reports they have not followed the law An block these items from my report They place them into dispute to keep a long process going iam in the process of speaking to a lawyer now for damages, time wasted! an to hold them accountable for not following the FCRA
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have never done business with XXXX XXXX XXXX and XXXX XXXX XXXX. Apparently, XXXX XXXX sold the charged off debt and my personal information without my written consent to XXXX XXXX XXXX have reached out to rectify the issue, and I will like this income removed immediately.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX  about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (VA)

On XX/XX/2021 my checking account was overdrawn. Despite previously enrolling into overdraft protection and notifications I was neither notified nor protected. My wife told me the following morning that at XXXX she received a notification of overdraft on the account. At XXXX I funded the account from a money market account. PNC charged a {$36.00} overdraft fee. I called and upon talking to a customer service representative who informed me PNC could not remove the fee. This is contrary to 1. the account being funded within 24 hours per the advertised " low cash mode '' https : //www.pnc.com/en/personal-banking/banking/services/low-cash-mode.html available for PNC XXXX XXXX customers and 2. the financial institution incorrectly showing I did not enroll in overdraft protection which would have mitigated this issue.
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (MA)

I 'm filing a complaint against XXXX for predatory lending practices. I was approved for a loan to finance the remaining amount due for a lease buyout. Then I get a message saying they ca n't get me the loan because I no longer reside in the state in which the car is housed, registered and driven ( by my mother ). That fact is fine, but why run my credit and go through the whole process that took 3 weeks if you knew that it was n't going to work? Why tell me that I was approved? Negligence and incompetence. 

Then I was told that I needed my mother to be on the loan application. Fine. I told them that my mother does n't speak English well. They called her and completed the application. Then I find out from her we were approved and that I have to sign papers. What the XXXX is going on? I 'm the primary borrower and NO ONE spoke to me about the different loan options. NO ONE talked to me about terms. And they " finalize '' a loan with the secondary borrower that does n't speak English well, is XXXX and does n't understand credit. I work in XXXX. This is unacceptable and CRIMINAL. 

The person below is who responded to my first complaint and is responsible for setting this new process in motion. 

XXXX XXXX Floor Supervisor XXXX, powered by Ally O : XXXX F : XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (CT)

Equifax continues to report the same errors on multiple accounts XXXX XXXX is reporting as current with payments and it's been closed since XXXX this shouldn't be on my credit report each bureau continues to report erroneously on an account called XXXX. it was never legally validated and equifax is reporting the DLA as current. all bureaus have different information for a dLA. this should be deleted XXXX XXXX is closed with an erroneous late payment which wells can't find, and equifax reports this as current with payment activity after the close date
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/ 2022 my business account had unauthorized and several roughly XXXX was taken out my account from several merchants.. attached is proof from XXXX XXXX database I don't have an account. so all charges should be disputed and a refund should be issued to me.
Consumer complaint received 2021-07-08
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. (WI)

The Credit Bureau has failed to remove my disputed items. They have not sent proof of Validation for any of the following Disputed Items. 

The 1st Dispute letters were sent out on XX/XX/XXXX, This letter asked for any copies of documents that they have that verifies the accuracy of the accounts. These letters were sent to TransUnion, XXXX, and XXXX. They failed to send any proof of validation of the debt. The Second letters were sent out on XX/XX/XXXX. The third was sent on XX/XX/XXXX. No proof was every mail to me, the only item mailed to me was a bill sent from XXXX XXXX XXXX. 

After looking at the Fair Debt Collection Act, I have found many violations that the Credit Bureau is allowing to happen. I have sent these violations to each Bureau with an attached Invoice for their lack of protecting the consumer right.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2021-07-08
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. (WI)

The Credit Bureau has failed to remove my disputed items. They have not sent proof of Validation for any of the following Disputed Items. 

The 1st Dispute letters were sent out on XX/XX/XXXX, This letter asked for any copies of documents that they have that verifies the accuracy of the accounts. These letters were sent to XXXX, XXXX, and Equifax. They failed to send any proof of validation of the debt. The Second letters were sent out on XX/XX/XXXX. The third was sent on XX/XX/XXXX. No proof was every mail to me, the only item mailed to me was a bill sent from XXXX XXXX XXXX. 

After looking at the Fair Debt Collection Act, I have found many violations that the Credit Bureau is allowing to happen. I have sent these violations to each Bureau with an attached Invoice for their lack of protecting the consumer right.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I 'm trying to dispute a name listed that I never went by ( XXXX XXXX XXXX XXXX XXXX, but there website wo n't let me submit the dispute and they have an excessive hold time on the phone.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (IL)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Consumer complaint received 2024-10-12
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. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

I attended XXXX XXXX  university XXXX. XXXX and passed but XXXX took the teachers out at the end they never came back so I didnt get my degree, however I attended XXXX XXXX XXXX XXXX in XXXX they are charging me for a grant on my credit report there are two charges from XXXX XXXX college I spoke with the financial aid building and wrote them from XXXX im XXXX and put said loan in forbearance and deferment but expirian or XXXX XXXX XXXX are say I owe a different ammount then what I owe I didnt think Pell grants had to be paid back. Ive been try to get a car because the dealer ships all started calling me but then then deny me. While trying to fix my credit I paid expirian and they didnt help me. So I contacted XXXX XXXX  and paid them nothing has happened and I only just found out that during the years I was in XXXXn I was victim of identity theaft my taxes were ran for some of the jobs that I was on and I never got the money and I did not file those returns. Also mortgage loans were taken out in my name but they wont show them to me go over them with me or if it try to refute them them happens my own bank XXXX XXXX wont help me add my electric bill or fines Ive paid for years to my account to raise my credit score
Consumer complaint received 2021-09-10
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. (OH)

I worked really hard to repair my consumer reports, It took me about a year to correct most of the errors on my reports and I got it to a good point before it got destroyed again due to identity theft and unauthorized use by the consumer reporting agencies. I have submitted numerous documentation showing that alot of errors on my report were a result of others using my information although that is the case I never game consumer reporting agencies permission to furnish this information on me regaurdless of how fraudulent or factual the information is, it is a direct violation of my privacy and im tired of it.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (PA)

I received a letter in the mail from Frontline AS on XX/XX/2021 notifying me of this debt. They stated that I had 30 days to disput the validity of the debt before they reported it to the credit bureaus. I mailed them a Validation request, via certified mail, with tracking number XXXX, it was signed for and received by Frontline on XXXX. 

I have not received any validation documents, or any contact from Frontline since that time. However, they have recently reported a collections account to the credit bureaus which is a clear violation of the FCRA. 

This is a strongarm tactic to try to get me to pay an unvalidated debt and should be punished as I'm sure I am not the first person they have done this to.