davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX XXXX**, XXXX XXXX XXXX****, XXXX/XXXX   XXXX****
Consumer complaint received 2019-06-06
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: Experian Information Solutions Inc. (SC)

I pulled my experian credit report on XX/XX/2019 to take a look at it, I noticed inquiries that i don't recognize on my experian credit report. the 1st one is XXXX on XX/XX/2018, XXXX XXXX XXXX on XX/XX/2019,  XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX again on XX/XX/2019. please remove these inquiries asap off of my credit report, and mail me a updated credit report as soon as they are off my credit report.
Consumer complaint received 2019-06-06
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: EQUIFAX, INC. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXXXXXX XXXX Included in Bankruptcy XXXX XXXX Included in Bankruptcy XXXX XXXX XXXX XXXX Included in Bankruptcy XXXX XXXX
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  IL ) XXXX
Consumer complaint received 2022-04-02
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2020-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a loan with CAPITAL ONE, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX CAPITAL ONE, XXXX, and XXXX   with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (AZ)

I was never served I received a document last week showing that I went into default judgement for : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7000.00} Open Date : XX/XX/year> Close Date : XX/XX/year> The cards I had with XXXX XXXX  had been closed as of XX/XX/year> my credit was bad and I wouldn't have been able to get approved for other cards, this is fraud and within XXXX month the limit was maxed, doesn't show on my credit report, never received mail or email correspondence regarding this card. 
Gurstel Law Firm, Sent this over with court file : XXXX, Their file number : XXXX, now I am in default judgement without hearing and are also charging me their court fees. I can attach pictures as needed is a big document.
Consumer complaint received 2019-08-13
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. (TX)

THE ACCOUNT OF DEPARTMENT OF EDUCATION/XXXX, IS REALLY AFFECTING MY CREDIT 'S STABILITY AND THE OVER-ALL HEALTH OF MY CREDIT REPORT AND SCORES. NOTHING WAS DONE TO SOLVE WHAT IS GOING ON WITH THESE ACCOUNTS AND A REASON TO WHY THEY'RE STILL REPORTING NEGATIVELY. APPARENTLY THEY ARE REPORTING 180 DAYS LATE IN PAYMENTS, WITH OUTSTANDING BALANCES OF : {$810.00}, {$1400.00}, {$1500.00}.
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (TX)

THE ACCOUNT FOR XXXX XXXX XXXX IS REALLY AFFECTING AND OBSTRUCTING ME FROM PURSUING A BETTER LIFESTYLE. PLEASE REMOVE IT IMMEDIATELY!!!!!!!, AS FOR IT IS AFFECTING MY CREDIT 'S HEALTH. THIS ACCOUNT WAS OPENED ON : XX/XX/2014 WITH AN OUTSTANDING BALANCE OF : XXXX, MAKING IT AN UNPAID CHARGE-OFF. NOTHING HAS BEEN DONE FOR THIS ACCOUNT NOR WERE ANY ACTIONS TAKEN.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

The following inquiries were not authorized by me, please delete them. Never having given my permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, I would appreciate the names, addresses, and phone numbers of these companies so I may follow up. 

Your immediate attention to is matter is greatly appreciated.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-02-03
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XX/XX/2020 I was charged a renewal fee for a majic XXXX XXXX I thought was cancelled and one that I haven't used in 8-10 years. I called the Capital one fraud dept and filed a claim and they said that their information from their investigation shows that I or someone else benefited from the transaction, when I asked for proof of this they could not provide any that made sense like phone records or other payments to XXXX XXXX in the last 8 years and after talking several folks they said they wouldn't change their dispute findings and would be billing me for the {$45.00} charge. When asked how a company I haven't done buisness with in almost a decade can make a charge on a old Credit card they said their was a Grace Agreement with mastercard and XXXX XXXX that they would charge to a new card number any charges that may have been made on an old card. I also called XXXX XXXX and told them what was happening and to please cancel my card the representative said she couldn't cancel my account over the phone and that I would have to do it online, so with her help I logged into an cancelled my account I thought. After I talked with Capital one again about this they said I should call XXXX XXXX which i did again today and asked about my account status ; the XXXX XXXX representative today said my account was still active and that it was impossible to cancel it online. She then said she would send a request to upper MGT to cancel this account and that it should be done in 3-5 days she gave me this cancellation number XXXX. Again I haven't used this service in 8-10 years and was billed for services never received on a credit card number that I never gave out. The XXXX XXXX rep said that because I filed a dispute on this charge that they could not reverse and Capital one says because I or some one else received benefits from this billing ( which is wrong ) that they will not overturn this obvious injustice and will collect from my new credit card these charges from XXXX XXXX. After hours of no help I have no where to turn for justice Please help!
Consumer complaint received 2022-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (WA)

Comerica direct express fraud I called to dispute charges said I had 10 days to respond but they only sent a stop future payment letter and charges not reimburse causing me to lose rental.called back said they had to check serif dispute could be reopened pretty sure not first time fraud happened rarely can speak to person.
Consumer complaint received 2020-09-05
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: Experian Information Solutions Inc. (CA)

On XXXX I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XXXX reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XXXX, XXXX AND on XXXX, I wrote to XXXX, Experian and XXXX  as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

XXXX, Experian, and XXXX  continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs to be removed.
Consumer complaint received 2018-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (NV)

I refinanced my home at the end of last year with Home Bridge Finical. I am not happy with the company and pray every day that they sell my mortgage to another servicer. I have never been late on my Mortgage still they somehow charged me a late fee which was damaging to my family to have to pay. They were not able to prove that I was late ( because I was not ). When I call into talk to a representative about this no one can help they state that I have to email them directly. Which also provides no support to my problem. CONSUMERS beware to never use this company!!!!
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (RI)

Nationstar has acted in a fraudulent manner and refused to address an error they made XX/XX/2019. Nationstar made an error in my account with hazard insurance payments and refused to make the correct adjustments from XXXX XXXX. On XX/XX/2019 I made a normal mortgage payment of {$3300.00}. Nationstar changed my mortgage payment to {$3500.00} in XXXX without proper notification of a reason for the change. For some unexplained reason Nationstar unilaterally decided to designate my payment on XX/XX/2019 as " Unapplied Funds ''. Nationstar reported my payment as an overdue payment in error or intentionally and failed to credit my payment to my principle and interest account as a valid payment. After many unsuccessful attempts to have Nationstar address this matter and correct their error Nationstar still lists as unapplied funds in my account statement. The payment of my check is still listed as unapplied funds for some inexplicable reason and Nationstar refuses to reverse the error of my payment as delinquent and give me credit even though the firm has cashed my check. I believe that Nationstar has done this intentionally to hurt my credit and punish me for reporting this error to CPFB. Nationstar is a fraudulent mortgage processor and has damaged my credit so that I am not able to move my account to a reputable mortgage provider. I have provided documentation that verifies the issue and want Nationstar to credit the unapplied funds to my principle and interest account or send me the money immediately.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC (GA)

I have a Bankruptcy on my credit report an it has been discharged for over 5 years. I am a XXXX veteran and a single mother of XXXX wonderful and intelligent children ( one in college ) with no financial assistance from anyone. I am asking that you please remove this from my credit report. I have attached a copy of my discharge information to this letter.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXXBalance : {$240.00}.
Consumer complaint received 2022-04-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (FL)

The title loan is paid off. I had asked for the legal title document to be returned to me. I expected it would be. Its been over a month. I'm still waiting for it. I have written and called with no response
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Santander Bank is claiming a defaulted account of {$6700.00}. I do not believe this account belongs to me. On XX/XX/2020, I emailed Santander Bank requesting a validation of debt. Under Massachusetts state law and Federal regulations, they had 5 days to provide validation on my claim. They failed to reply with any validation, instead requesting I call to discuss instead. Please note, failure to provide validation from a written request is not legal. After receiving that reply, on XX/XX/2020, at XXXX, I called and spoke with a representative. The woman | spoke to informed me they would email me a validation of debt. I requested the validation not only via email, but also hard copy in writing. No validation or any form of communication has been received. On XX/XX/2020, at XXXX, I followed up with another phone call to check on the mailings of the validation. After speaking with multiple employees and being transferred to multiple departments, I was hung up on. Again, this is not legal. On XX/XX/2020, I sent Santander Bank a Consumer Protection MGL Chapter 93A Demand Letter, via certified mail. I was notified that it was received by Santander Bank on XX/XX/2020. By law, they had 30 days to respond : 30 days has passed with no response.