davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (WA)

Due to circumstance beyond my control I have been in default on a mortgage with US Bank since the Fall of 2012. Since this time I have been working earnestly with US Bank to find a solution which would allow me to stay in my home. I can afford a mortgage at a lower rate than I had previously, but all the bank will offer is a much higher rate with a 40 year term ( I will likely be dead at this point ). During this period I have also attempted to sell the home unsuccessfully either as a short sale, or for an amount that would satisfy the outstanding US Bank Debt. The process for resolving mortgage issues is laiden by a XXXX XXXX bureaucracy that is incomprehensible which, rather than providing affordable solutions to struggling home owners, forces them into greater debt for longer periods of time. Qualification for the HAMP program is also a puzzle - I initiated my loan prior to the cutoff date, but now am being denied consideration because I modified the loan after the cutoff date. Any banking official with a reasonable IQ can understand that it is in the bank 's interest to create a mortgage agreement on a 30 year term that I can afford ( I can afford {$2200.00} with taxes and insurance ), rather than force me into foreclosure and lose money on the house after it sits unmaintained and uninhabitated for a long period of time then sold on the auction block - yet I ca n't get a decision maker on the phone to see the logic in this.
Consumer complaint received 2016-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (NY)

four years ago discover student loans advertised on their website and those claims were stated by a customer service rep, that co-signers would be released after 18 months-two years of on-time payments. Now they say they made no such claim. 
Can they back out of this? We took the loans under false pretense and information by discover. Please help!
Consumer complaint received 2023-03-20
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. (TX)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (PA)

Only have a few days worth of info as of XX/XX/XXXX at XXXX. Previous days had been erased. Didn't know they could be reported. 

Calls from XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX Calls from XXXX ( same company ) : XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am unable to place a freeze on a my credit file. The website reports : We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. 

... but I have been trying several times. It sounds like they would rather continue to profit from selling my data then by complying with consumer protection laws. 

Sure wish I had a lobby in Washington.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MN)

La forma cmo disputan esta incorrecta, quiero que me expliquen porqu reportan high balance tratando esta deuda como si fuera credito y nunca recib cartas de esto pues soy clienta de ellos hasta ahora.
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am currently going through a mortgage process and made the unfortunate mistake of mailing out a " good will '' letter to Capital One on XX/XX/18 asking them to consider removing some late pays they had reported last year. On XX/XX/18 I received a credit alert stating negative remarks were added to my credit reports for my closed Capital One card. When reviewing the marks it stated " consumer disputes after resolution. '' First off I NEVER disputed anything. I took full responsibility for my late pays in my letter. Any competent person reading this letter would have understood it was a simple request and could easily have been answered by a yes or a no. I have called Capital One and been met with ridiculous reason as to why they can't remove the dispute language on my report and that I need to contact the 3 bureaus instead. I've contacted all 3 credit bureaus 3 separate times and had the remarks removed with ease. It is not the credit bureaus issue. It is a Capital One issue because they keep reporting my account each month as under dispute. 

This company has caused my lenders to have to run my credit far more times than necessary lowering it each time! This is because I can not have an open dispute when getting a mortgage and they now need to make sure the dispute is removed. Capital One is literally costing me thousands of dollars which will reflect over the life of my mortgage loan! 

I have literally tried every which way to contact somebody from Capital One, even their XXXX handle which is insane. A consumer should not have to contact a company 10+ times to correct an error made by their staff. They need to remove the dispute remarks on this account immediately.
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CURO Intermediate Holdings (AL)

I had an unauthorized transaction on my account because I had revoked in writing this lenders right to debit my account, which is what they require, I called the bank to dispute it on Friday, XXXX XXXX, 2016. I had n't heard back so I contacted XXXX bank and was told today that they are not going to refund my money from Speedy cash. 

They said what I sent them does not prevent withdrawal from my account. She put me on hold and then hung up on me. They denied the claim with no valid reason.
Consumer complaint received 2023-03-20
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. (NY)

This company randomly increases and decreases my credit score on an almost daily basis. Today my credit score was decreased by XXXX points because a credit card is over limit. The card has not yet over limit for 30 days. Further, the card is slated to be paid down at the end of the month. I guarantee you, my credit score will not increase by XXXX  as quickly as it decreased. This company is engaging in terribly unfair credit reporting practices!
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, The credit card company charged us {$30.00} late fee on XX/XX/2022. For many years now, we use our local bank - XXXX - to pay every bill via on-line Bill Pay feature. As always, per our directions, XXXX made the full payment on the due date of XX/XX/2022. However, the credit card company recorded the payment on the next day - XX/XX/2022. Because of that, we were charged late fee. After talking to three different representatives of Capital One, they refuse to reimburse {$30.00} fee. They said that their bank was switched and it is too late at this point. I don't agree I should be penalized for either of them switching the banks ( from XXXX MasterCard to Capital One ) or them processing my full and timely payment a day later. Both of those things are out of my control. I am asking for help to refund the wrongfully charged {$30.00} late fee. 
Thank you.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I pulled my credit report only to realize that I have two accounts with Synchrony Bank. I noticed one account has been reported as unpaid for about a year when I have the evidence that this account had been auto drafted from my account each month. I then called in to synchrony bank and got a rude representative that hung up in my face. I AM LIVID!!! I demand that both these accounts be deleted from my credit report immediately. I will be taking this to small claims court and filing an FTC report for their negligence if it is not resolved immediately.
Consumer complaint received 2023-03-20
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. (TX)

In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with XXXX XXXX XXXX. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has refused to update my credit files to reflect my current credit scores. I 've been working with a credit repair company, and I have improved my credit scores, to XXXX, XXXX, and XXXX respectively with Transunion, XXXX, and XXXX. Through XXXX, I 've been trying to get XXXX XXXX, to re-score my credit records, based on all XXXX of the credit reporting bureaus for XXXX. My XXXX scores should be a weighted average of XXXX, not XXXX, as reported by XXXX. They are reporting a civil judgment for XXXX ( Placed by XXXX XXXX XXXX ), that was satisfied by a chapter XXXX bankruptcy discharged in XXXX of 2010.
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC (NJ)

My aunt took out a utility contract with my name and social without my permission. I was a college student in Ohio at the time these charges were accrued, and had no knowledge of it until I started receiving collections bills at my Ohio address. I have proof of my address and the collections bills that were mailed to me.
Consumer complaint received 2022-09-03
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized late payments on accounts my student loans have been deferred since COVID19 began and the moratorium doesnt end until XX/XX/2022 on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2022-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

I took out a loan with Tower Loan XXXX on XX/XX/XXXX. During that first 6 months I was able to make payments conveniently via online or by phone monthly. Due to an error on my part there was an XXXX for the XX/XX/XXXX payment which was immediately addressed and paid. It was then difficult to conveniently make payments to my loan. The companies online and phone systems are not available to me for convenient payment options. Tower loan will not accept payment via check nor debit card from me because of this one account oversight with the XXXX The representative advise that I must come in person to make these payments as I am locked out of these convenient payment options for a full one ( 1 ) year due to one XXXX  on my payment history. The office hours and travel time of over XXXX minutes to their nearest locaction to pay in cash make it extremely difficult to make my payment in a timely manner.
Consumer complaint received 2015-04-02
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (DE)

They keep calling me all day long every hour or XXXX for the last XXXX or XXXX weeks. They have called my job and I have told them not allowed to have personal calls. Have also emailed XXXX and tried to make arrangements still continue to call me. And they have called a couple of my friends more than once that may have been listed as references on application. I feel like I am being harrassed and no wmy friends are being harressed too.
Consumer complaint received 2022-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly XXXX am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2015-11-02
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (SC)

I have a rushcard ... they were having some kind of technical work done on the cards I guess switching them over XXXX, now I 'm unable to use my card that my child support payments are deposited on. I need to know when will I be able to use my card again.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I applied for a online loan a few years ago, and ever since then, I have been the victim of identity theft. I have had other pay day loans and checking accounts opened up in my name. Recently, I relocated to XXXX from XXXX and I wanted to see about the possibility of transferring my car loan to my local credit union. I was told that I had a bank fraud case on my account. I contacted XXXX to find out about this information, and was told that the account was not under my name and I would have to dispute this issue with the credit reporting agencies. I would appreciate any help in resolving this issue.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I closed my secured credit card, for which they were holding a {$1000.00} security deposit, with Capital One 2 months ago. The company advised I would have to wait XXXX billing cycles for my security deposit to be refunded. It has not been refunded and I have been quoted XXXX days for the refund. They are holding my money XXXX and I would like it back please.
Consumer complaint received 2015-10-29
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NE)

Have n't been able to access my money on my rushcard nor have i been able to see if anything has been deposited its been twice this month I 've had this issue and i know its due to rushcard switching services. Its a great pain that needs to be handled i need my money asap.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 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 15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (GA)

I got an Issue with a collection Agency called CKS Prime Investments I never received a call or a letter from this company the only reason I knew it was on there is the fact I got an alert from the credit report agency that a new collection account was added. The account this company has is an account from XXXX credit card I never had an account with this company I got in touch with the original creditor they did their investigation and determine that it was a fraud account and sent me a letter stating that it would be removed off my credit reports. The collection agency didnt remove it so I disputed though the credit report agencies with the dispute I provided the letter from the original creditor the collection agency still didnt remove it but they did something sneaky by leaving it on my credit reports changing some of the information like the name of the original creditor name the type of account, and the closed date. I tried to contact them by phone but could never get an answer.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

While checking my most recent Equifax credit report, my credit report shows some inaccurate accounts and credit inquiries that I do not recall authorizing. 

Online Information Services is in violation pursuant to 12 C.F.R 1006.30 I have no knowledge of, nor history with this company. 
Please remove the following account immediately. 

Online Information Services Account : XXXX After the discovery of the derogatory information, I immediately reached out to Equifax to notify them of the violation and they did not do a proper investigation, and listed the account as verified. 

Since Equifax did not correct the violation error, they too are now in violation for reporting such information. 

As stated above, my credit profile should not be compromised because XXXX XXXX XXXX did not follow proper procedure in accordance with 12 C.F.R 1006.30 and therefore this account needs to be removed immediately. 

Also, please remove the following inquiries from my report. 

XXXX XXXX  XX/XX/year> XXXX XX/XX/year> I demand Equifax validate this info with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing and inquiry, or remove immediately. 

Please, either provide me with strict proof I authorized this inquiry such as signed application or contract or recorded telephone call or delete these inquiries immediately, as they are not attached to any open verifiable accounts. 

If you do not have or can not provide strict proof of authorization please delete the inquiries immediately. 

If these issues are not resolved, I will have no other choice but to take legal action pursuant to 15 U.S. Code 1681o - Civil liability for negligent noncompliance.