davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

On my XXXX XXXX on all three credit reports are reporting different last activity dates I disputed all reports and experian XXXX  and XXXX  told me it was verified how can it be verified if the same account has different reports they did not verify reports XXXX  Last activity date XXXX XXXX Experian. 
Last activity date XXXX XXXX XXXX  Last activity date XX/XX/2019 2019
Consumer complaint received 2017-07-21
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. (TX)

I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they 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 demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.
Consumer complaint received 2022-09-07
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate these accounts ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, USDOE/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2023-06-12
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. (FL)

I am interested in processing disputes on my credit report to delete all inaccurate information that needs to be deleted with Equifax. please review an remove all listed items that has caused an error on my file. my credit report is damaged with invalid information I am depending on the credit bureaus to review an delete all listed inaccurate data asap.
Consumer complaint received 2016-04-27
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (VA)

The synchrony Bank has reduce credit limits on cards that has not been late or late and refuse to respond to emails about payment being late and charging fees when they only had to respond and state the issue, instead charging late fees and reporting me to the report company 's. Also the XXXX XXXX XXXX cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit
Consumer complaint received 2017-02-14
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST CREDIT FINANCE (CA)

This company contacts everyone on my referral list if I am late paying and tells people on this list that they are looking for my car. They have been rude and harassing calling multiple times and using threatening language like " contact us or else. '' When I called and asked to speak to management once, the person told me that I did n't have the right to speak to a manager because I have n't made my payment. When I asked them to stop calling my XXXX mother in law with XXXX who lives in NY, they told me that they will continue to call her because it makes me call them. It 's a tactic that they use. I have recordings of their threatening tactics and frequent harassment. Even after I paid {$100.00} and signed a contract extension for the month of XXXX., they still called my mother in law everyone else on my referral list asking for the location of my vehicle.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I disputed a charge from XXXX XXXX, in regard to being placed in a room next to an elevator shaft. Very loud, and a nearly sleepless night. 

Capital One sent me a link to upload documentation, but their link doesn't work and the customer service isn't available. 

Capital One needs to improve their dispute process. Also, XXXX XXXX needs to not put hotel rooms next to elevator shafts.
Consumer complaint received 2022-09-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XXXX/XXXX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 2016-10-11
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (MN)

On XXXX/XXXX/16, applied for a credit line increase on my mastercard account with Barclay USA. I received a denial letter dated XXXX/XXXX/16, this denial letter reflected an incorrect credit score, incorrect denial reasons, and was outdated back to XXXX/XXXX/16 ( over XXXX wks ). Barclay claimed they received this credit information from XXXX. On XXXX/XXXX/16, I got my annual free XXXX credit report, report reflected the opposite of what Barclay USA Mastercard Services claimed. On XXXX/XXXX/16, I contacted XXXX, rep " XXXX '', verified no negative information on my credit report and gave a XXXX point increased different credit score than what was reflected in Barclay 's USA letter dated XXXX/XXXX/16 to me. On XXXX/XXXX/16, I then contacted Barclay USA, rep " XXXX '', questioning the incorrections & not current credit information & score. I additionally asked why my statement which was due on XXXX/XXXX/16 was still not processed nor was there interest fees correctly updated & reflected. " XXXX '' asked to " hold on '' so she could get her service manager on the phone, " XXXX '' then transferred me instead to XXXX, rep " XXXX '', who also again reflected that Barclay USA written claim denial of credit information & score was inaccurate. I then asked XXXX rep XXXX for written XXXX credit report be sent to me due to Barclay 's credit increase denial for written verification directly from them, in addition to my free annual credit report obtained online on XXXX/XXXX/16. My complaint : Barclay USA Mastercard Services Company appears to be in violation of the " Fair Credit Reporting Act '' & using " Deceptive Credit Consumer Tactics '' with utilizing " outdated '' consumer credit information & inaccurate credit scores in their business letters, and additionally deceptively trying to pass the " blame '' on to XXXX Credit Bureau in the process. Please additionally note, that in XXXX 2016, my original Barclay Mastercard, a CHIP card, was breached, ID theft and fraudulent charges occurred. My local police department report was made and Barclay reissued me a " new chip '' card/mastercard. It appears there is some deceptive business practices ensuing with this business.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (WI)

Keep calling me repeatedly when I 'm at at and around XXXX. They said there is a problem with my account and they are represented some fitness company and there membership. I do n't have any memberships to any where.
Consumer complaint received 2017-03-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Allegedly XXXX claims they have sent me notifications in the mail about a debt that happened 9 years ago, I have n't received such notifications. They have started calling me while I am at work. Once on XX/XX/2017 at XXXX EST and once on XX/XX/2017 XXXX EST. I then called back and asked if they would stop calling me until after XXXX, the woman on the phone was persistent about the debt, and would n't let me speak. Things escalated and the conversation was getting heated until I pleaded that they contact me after XXXX, she rudely agreed to and sarcastically wished me a nice day. 

I am concerned they have my work number and not just my cell phone number. I want this to stop before it turns into full on harassment. I intend on sending a cease and desist letter that states my rights under the fair debt collection practices act.
Consumer complaint received 2017-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against AMSHER for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2020-11-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Advance Centers of KY, Inc. (KY)

I received 2 payday loans on XX/XX/2020 that totaled {$500.00} that I was positive was paid back in cash but the workers claim it wasn't paid. I was at XXXX XXXX and called the state and found out what day and how much and they said there is a 10 year statute of limitations law that they can't collect over 10 years anyways so she tried to get the worker at cash advance to dismiss the checks but the worker said they would not so I was told that this was not following the rules of statute of limitations and I need to file a complaint to have these dismissed. Please help on this situation.
Consumer complaint received 2022-09-07
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. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX  XXXX Balance : {$55.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

opened a checking account online. 
next day, deposited company check into ATM branch, receipt received. 
same day received email alert to call them called, they state they do not want to do business, account closed. 
next day, called again, check deposited ok, account closed and locked, unable to access funds called again, security team states the originator of the check has to contact their bank to have funds " pulled '' back and another form of payment issued.
Consumer complaint received 2017-07-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Technology Incorporated (TX)

I was enrolled and signed a rehabilitation agreement with the collections agency hired by the Dept Of Education Collection Technology Inc XXXX. I went with a rehabilitation instead of consolidation because I was told collection cost would be removed and the negative trade lines from the Department of Education would be deleted. After loosing employment, I continued to make the XXXX payments on the account for the 9 months we agreed to verbally and in writing. Only after making my last payment was I told that I was not able to rehabilitate my loan, after being out over XXXX. Now I have to consolidate anyway and my payments arr projected to be around XXXX a month when it 's completed. Without the credit line deletion and collection cost being removed I feel that the payments I made under the rehab program should be either refunded or applied to my interest and principle not collection cost.
Consumer complaint received 2023-04-17
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. (GA)

Hello, I sent in multiple letters to XXXX, TransUnion, and XXXX  and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing on my credit report.
Consumer complaint received 2019-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I have numerous complaints about my loan servicing company, Navient, and was only allowed to select one issue on the previous page. I can enumerate all of the issues below : Initially, I have always been a public servant when repaying my student loans, and have always attempted to be qualified for the public service loan forgiveness program.

1. I was given completely incorrect information regarding payment plans, payment amounts, and was not provided the right information regarding the lowest payment possible. For the first several years ( XXXX ) I was not making the lowest payment possible. I found out many years later that I could have qualified for payments under {$100.00} a month, but was paying 2 or 3 times that amount at any point.

2. I took out a mortgage on my home to pay down my balances. I made it VERY clear that I wanted the payment to go towards the principal balance. Yet, Navient ( around XX/XX/XXXX ) repeatedly applied the balance to future payments. For nearly 3 months I repeatedly called Navient to have them apply the balance to the principal. I am still unsure if they charged me interest on the larger principal balance during that time. 

3. I was told in XXXX or XXXX of XXXX and again in XX/XX/XXXX that I did not have to certify my student loans for PSLF until I had made 120 payments, and that Navient was keeping track of those payments. However, I recently found that many of my coworkers certify their employment on an annual basis, and that their loans are held by XXXX XXXX XXXX. I attempted, once a month, for the last 18 months ( XX/XX/XXXX to present day ) to get information from Navient regarding any PSLF certification paperwork. They REPEATEDLY told me they would send me information via email or mail, and I would never receive this paperwork. Finally, I went online and did a search on my own. I have attempted to get documentation regarding my numerous phone calls and was told they do not email others. Further, I was told that they do not keep any log of calls made by borrowers.
Consumer complaint received 2023-04-17
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: WELLS FARGO & COMPANY (GA)

Wells Fargo has violated the law as a data furnisher and has reported inaccurate information on my consumer report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Wells Fargo is liable to me as a consumer for not complying to the requirements governed by law.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
Consumer complaint received 2023-06-11
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. (CA)

I've spoken with all 3 credit companies about my credit report for them to remove some things on my credit report and I've given them over 60 days so I'm reaching out to cfpb for help. I'm aware of my rights to privacy and confidentiality under 15 USC1681. 
I want XXXX, equifax, and XXXX  to remove these accounts off my report immediately.. 
XXXX XXXX XXXXXXXX for {$55.00} the account was closed and charged off. 
XXXX XXXX XXXX  for $ {$410.00} the account was closed and charged off. 
XXXX XXXX {$800.00} The account was closed and charged off. 
XXXX XXXX {$860.00} The account was closed and charged off. 
XXXX XXXX XXXX {$1600.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXXXXXX {$1300.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXX {$1400.00} The account was closed and charged off. 
XXXX XXXX {$2600.00} The account was closed and charged off.
Consumer complaint received 2023-04-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (GA)

Like most people Covid effected my income in XXXX my mortgage servicer changed while I was going through a loan modification and it carried over to the new servicer which I had to start the process all over. Which ran into XXXX I was told by my loan servicer nothing would change to my credit because I made them aware that I was going to do a refinance. Long story short BSI Financial lied in the have proof of the lie, I've been denied credit because of what the 've put on my credit report in the comments section it reads " Loan Modified ''. I've attached proof showing I've been denied credit because of the comments left on my credit report. Also this is against my consumer laws 15 U.S. Code 1681e - Compliance procedures ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

XXXX has deleted and removed the following fraudulent account : Capital One : XXXX, balance : {$2000.00}, 3 times from my XXXX credit report previously, but XXXX keeps re-inserted and putting the fraudulent Capital One account back on my credit report. The Capital One account is not my account. Its a fraudulent account.I have never applied for a Capital One Bank credit card account. Someone stole my identity and used my personal information and applied for 4 Capital One Bank credit cards, including the account above. I have been a victim of identity for over 25 years.
Consumer complaint received 2024-02-17
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. (TX)

XXXX, XXXX and transunion are in major legal trouble for the act of identity theft by reporting inaccurate and non public information In accordance 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history negative remarks on my credit report which discusses my experience with a creditor just under that Truth XXXX, XXXX and transunion is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. I am giving XXXX, XXXX and transunion 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  will be my direct proof of claim to take Bureaus to arbitration as all accounts report transactions history