davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-11
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. (GA)

PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE XXXX XXXX+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH XXXX XXXX XXXX XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (KY)

I have request validation of this alleged debt, account number XXXX, from Receivables Performance Management numerous of times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX I sent a demanding letter certified mail requesting once again, validation and proof of claim. Each time I have disputed this alleged debt Receivables Performance Management updated and verify the account with all three credit bureau, but as YET to send me anything validating this collection account that they are reporting I paid! I uploaded one of the letters that I sent certified, requesting Full validation.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019 my bill did not go through account with missed payment. I am kindly requesting. BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2017-08-29
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: Onity Group Inc. (FL)

GMAC mortgage discharged XX/XX/XXXX, GMAC sold mortgage XX/XX/XXXX to XXXX. GMAC files bankruptcy XX/XX/XXXX.  XXXX reports loan discharge XX/XX/XXXX.Loan paid off XXXX. GMAC reports discharge XX/XX/XXXX -4 years after discharge, 6 months after 100 % payoff yo XXXX. 
XXXX refuses to correct in spite of overwhelming documentation to the contrary. 
GMAC writes they have no record of loan. 
OWCEN/GMAC Has no record. 
XXXX duplicates mortgage chap XXXX discharge. 
XXXX claims issue is GMAC 'S.
Consumer complaint received 2021-09-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have contacted the credit bureaus as well as Bank of America to remove this fraudulent closed account that was opened under my name and with my information. I disputed many times and no results. I kindly ask for the removal of this account from all my credit bureaus and my history. Thank you.
Consumer complaint received 2020-04-27
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$2600.00}
Consumer complaint received 2021-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

On XX/XX/2021 I closed on a house with XXXX XXXX. On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX sent me a letter regarding the transferring of my loan to PHH Mortgage Services. PHH Mortgage sent me 1solitary coupon for the 1st payment which I received on XX/XX/2021. On XX/XX/2021 I wrote out a check in the amount of {$880.00}, the amount stipulated, dated for the XXXX of XXXX, when my first payment was due, and I sent it out to PHH Mortgage along with the 1 coupon I was given. By XX/XX/2021 I began calling PHH Mortgage Services to inquire if they had received my check. They refused to answer my question. They would respond by saying, I should go on-line to pay. It wasn't until XX/XX/2021 when I received a letter from PHH Mortgage Services telling me they were sending me the copy of my check because they had 'destroyed ' the original. The reason given was they don't accept post dated checks. I tried reasoning with them on the phone and their response was that I should go online. So feeling defeated, I tried going online. However, before allowing me to pay online at XXXX, I had to check off their agreement terms and conditions box. After reading the lengthy stipulations, especially the one having to do with my taxes, I decided I would not be agreeing to their terms for online service. So, because of that I can't pay online. So if I can't pay my mortgage by mail because they refuse to provide me with coupons, and I can't pay online because I don't agree to their terms and conditions, then chances are I will never be able to pay my mortgage and in my opinion, that is exactly what they are waiting for. Please help me!!!
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is consistently charging me overdraft fees for transactions that i have sufficient funds to cover in my checking account. Got charged $ XXXX for on XX/XX/18 for transactions that i had funds to cover in my account on XX/XX/2018
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc. (CA)

I'm having a problem with the loan I got in to and I think I'm in to a deep hole a sort of scam they got me into for not having a good credit score I was sweet talked into a " good deal '' according to them I was never advised about limitations on car return if I didn't like it on how much time I had to return it instead they made me sign sum papers on agreeing to  paying XXXX in a loan of XXXX car tag sale price. They give me another paper to sign and on this one I didn't notice at the bottom of the page that my total price was XXXX XXXX to pay them didn't even notice that because I was convinced that my payment was only going to be XXXX, what was verbally agreed on. it took me like 4 to 5 days to read the full contract since I was working 12 hours a day 6 days a week I didn't have much time to do anything I was in for a big ugly surprise when I reviewed the contract on the second page I came to find out that I  was in for a big set back saying that I had to pay XXXX total XXXX dollars monthly payments for 6 years and not the XXXX dollars a month for only 3 years as I tought I left it like this thinking to myself there's nothing I could do anymore what a big dissapointment no wonder the original woman sales person I was going to do the deal with got swaped by one of the more experienced salesman person I think he was a supervisor at this dealership so he just told me that I had no choice but to take the car that they picked for me i didnt wanted that car but they said I had no choice cause of my credit and i was very desperate for a car since I needed it for work so I got myself on this big deep hole that it seems I cant get out of its been 8 or 9months of payments of XXXX dollars a month i have paid to them and nothing changes on my loan it still says I owe them XXXX dollars so every time I pay its the same balance of XXXX I had text with them to send me the total I owe them thinking that they had probably had not refresh their data on the computer but not they told me that I owed those XXXX seems like a rip off and dishonesty on the dealers part and on the bank where I got my loan are ripping me off. In asking for your help please on what can I do on this bad dishonest loan I got into.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

My father passed away. I notified XXXX XXXX of his death on XX/XX/2018. They said wait 30 days for information and that his account would be frozen. The exact balance was unknown to us at the time but was likely {$200.00}, it is now a month later and the balance is {$420.00}. They charged the account a late fee and interest and refuse to remove it even though they admit it shouldnt of happened and that it should of been frozen back on XX/XX/XXXX. I was never provided a balance payment even though I gave them new contact info. This is a violation of the card act. 

As insult, a supervisor said something to the effect who cares if hes charged fees or interest, hes dead and you dont need to pay it off. I dont think he understood how disrespectful that is and that it offered no comfort as we have to close the estate. I dealt with employee XXXX They told me to write a letter to the company to disput policy, but gave me no specific contact info. 

They wont let me access or pay the account in the meantime as Im not an account holder. 
Please help, this is making me sick.
Consumer complaint received 2017-08-03
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: CITIBANK, N.A. (MI)

In XXXX 2017, my Citibank XXXX ending in XXXX was part of a data breach at XXXX XXXX. I cancelled my card XXXX XXXX, XXXX when suspicious charges began appearing. At the direction of Citibank, they said not to contact any merchant and that they would cancel my card and send out a replacement. They said cancelling the card will eliminate any charges set up as recurring from continuing on my new card. In the months of XXXX, XXXX and XXXX, one charge keeps showing up on my card ; XXXX XXXX XXXX XXXX XXXX XXXX for {$150.00}. Each month I have had to explain the problem and request the charge be cancelled. I do receive a credit but the charge appears the next month. Today I called and was told that Citibank did not follow their own process for recurring charges and that they will have to cancel my replacement card and issue a new one to eliminate the recurring charges. Im requesting that Consumer Financial Protection Bureau contact Citibank to ensure that the problem of a recurring fraudulent charge is resolved permanently.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Late Payment Removal In accordance with the FCRA XXXX XXXX and XXXX XXXX XXXX has violated my consumer rights. 
15 U.S.C. 1681 Section 602 ( a ) states I reserve the right to privacy 15 U.S.C. 1681Section 604 ( a ) states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Resolution box Please remove this late payments from my consumer report.
Consumer complaint received 2021-02-22
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 checked my credit report alerts on credit wise and seen SSN TRACKER ALERT and a address that has been added to my experian addresses. It was reported on XXXX of 2020 to experian the address is XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX. Thats not my address I never used that address nor know whos address or anyone that lives in OK. I dont know if they have used my ssn to vomit tax fraud or unemployment or for jobs or anything but Id like to find out and know what to do about this
Consumer complaint received 2020-09-14
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: Resurgent Capital Services L.P. (IN)

I have a loan with XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING LLC. 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, XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

15 U.S.C 1681 section 602 A. : States that 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 an account without my permission in written instruction.

15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-04-05
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. (FL)

I am the consumer, aggrieved party, violated by XXXX XXXX and Equifax in conspiracy to disgrace consumer and deny demanded notarized verification of disputed alleged debt. Equifax has refused to perform required investigation of fraudulent consumer reporting in addition to violation of exclusions of transactions or experiences ( balances, past due, credit usage, negative remarks etc. ) from FCRA 603 ( d ) consumer reports. Verification in the legal context refers to a declaration under oath or upon penalty of perjury that a statement is true. Equifax has not performed appropriate investigation to confirm by notarized verification name of representative involved in accusation of debt and authorization to furnish personal private consumer credit information to report without written XXXX  Statute 540.08 ( 1 ) consumer consent FCRA 604 ( 2 ). XXXX XXXX  is trafficking my personal information and negatively reporting information against consumer consent. 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose but Equifax fraudulent, inaccurate and unauthorized reports and updates to unaffiliated third parties in breach of duty. XXXX XXXX and Equifax are engaged in harrassment and will not comply with proper notarized verification of the alleged debt in compliance to FDCPA 809 for validation.
Consumer complaint received 2020-09-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I have a loan with PORTFOLIO RECOVERY A, XXXX XXXX, and XXXX XXXX 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, PORTFOLIO RECOVERY A, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (GA)

I opened my account on XXXX XXXX. As of today, it's been 135 days. I qualified for the XXXX bonus but never recieved it. I spoke with XXXX   representing td bank today, XX/XX/XXXX and shes only aware of a promotion for that for the first 60 days but my paperwork shows 90 days and it's what I was made aware of when I opened my account. I have had almost 1000 in direct deposit since opening. XX/XX/XXXX would of been my 90 days and all of my direct deposits were made from jobs by the end of XXXX.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-14
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. (FL)

XXXX XXXX agreed to remove late marker on credit file date for XX/XX/19. However Transunion and XXXX  will not allow me to reinvestigate or submit a dispute.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Even though I have fallen prey to credit card interest rates and learned my lesson and paid all off, Capital One is continually seeking to loan me money by reaching out through the U.S Post Office. The last letter I received has my personal information and targeted marketing to me personally claiming this- " We recently reviewed your credit information and designed an offer that we believe is the right one for you-right now ''. I never gave them permission to review my credit information or design an offer. This appears to be a violation of my privacy.
Consumer complaint received 2020-04-27
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 continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report. 

XXXX XXXX XXXX {$9900.00}