davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MI)

I sent a certified letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I requested a signed agreement and other supporting documentation. They in return provided me with billing statements which does not prove that I am obligated to pay them. They have/are reporting delinquent information to the credit bureaus which I am asking to be deleted. Documents are attached.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (GA)

I had a lease to own purchase with American First Finance. I paid my account on time and was never late because I used autodraft. XXXX XXXX weekend, my checking account was compromised, and a new checking number had to be issued. This caused my auto draft to be returned. So XXXX 's payment was returned. I paid the account in full on XXXX XXXX XXXX 
Despite the fact that on XX/XX/XXXX the account was paid in full. American First Finance reported my account on XX/XX/ as " 30 days past due and Paid " to both my XXXX and XXXX report dropping my score 50 points. 

On XXXX XXXX XXXX  I did not owe a balance to this company. The account was paid off.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

The company in question, NAVY FEDERAL CREDIT UNION and other consumer reporting agencies such as XXXX, XXXX and XXXX and reporting account information without my consent. This is a clear violation of The Privacy Act of XXXX, 15 U.S. Code 6802 and 16 CFR 313.7
Consumer complaint received 2022-04-30
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. (OK)

Had a XXXX  XXXX in 2013 that was XXXX. Disputed with Experian to remove it has been more than 7 years. Experian refused to remove it. Tried to dispute again and Experian will not allow me to.
Consumer complaint received 2018-07-16
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. (NC)

Someones used my information XX/XX/2017 to get a auto loan with XXXX XXXX XXXX. I contacted the company and they refused to resolve the matter. I then contacted all 3 credit bureaus and requested the information be blocked under FCRA 605B. XXXX and XXXX removed the fraud account without an issue. Equifax sent me information as if they were investigating it as a dispute. Which is not following the rules on FCRA 605B. I have submitted my information several times. Equifax is not following FCRA 605B and blocking fraudulently information. Each time I request the information blocked a dispute is started and then the fraud information is updated instead of being blocked.
Consumer complaint received 2022-04-30
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. (OK)

I accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 and purpose.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I have been in touch with Equifax multiple times and they do not want to clarify on my claim due to the fact that my identity was breached in the 2017 XXXX XXXX XXXX scheme and then my name has been traded in foreign capacities that I was unaware of as as well as domestic I do not agree I do not consent and I didnt definitely did not receive compensation for any of the activities and has ruined my life completely now I demand a remedy as of what I state in my resolution statement and I promise its all in good faith because I pledge allegiance to the flag of the United States of America and to the republic for which it stands one nation under God indivisible with liberty and justice for all amen
Consumer complaint received 2021-02-11
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. (TX)

XXXX/Equifax/XXXX  violated my right to privacy as a consumer by accessing and publishing my private information. Please see the attached letter to XXXX  and attached Exhibits.
Consumer complaint received 2019-10-28
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)

The Cabelas credit card was taken over by Capital One about 12 months ago, on or about XX/XX/XXXX. For the first several months after the cutover, billing statements were coming out showing past-due amounts and associated fees and interest when in fact accounts were not past-due. For the first several months between XX/XX/XXXX and XX/XX/XXXX, I called Capital One to explain the issues. At first the representatives didn't understand the cutover problems, but in time, they realized them and made credit adjustments to the accounts to reverse fees and interest. In XX/XX/XXXX, they sent me a formal letter stating they were processing adjustments to correct the account. Ever since then, the new card issuer, Capital One takes longer to post payments to the accounts, this in part as I have come to realize, is partially because while the original card issuer could receive electronic ACH payments initiated from my bank, the same electronic ACH payment ( oddly ) can not be done initiated from my bank to Capital One, therefore my bank sends out a check payment. In XXXX of XXXX, my payment due date was XX/XX/XXXX and my payment dated XX/XX/XXXX, was not posted until XX/XX/XXXX. When I called to query the timeliness of posting credits which culminated in respectfully requesting an adjustment due to seemingly untimely posting, the card issuer refused citing the prior " courtesy adjustments '' they had given me on/about 12 months ago during the period XX/XX/XXXX to XX/XX/XXXX. I highlighted that those adjustments were due to the credit card company cutover, not due to me not paying timely -- a point which the supervisor of the initial representative I spoke to, totally agreed with. In the end, no adjustment in the form of a {$27.00} late fee and {$1.00} in interest was made ... the amount allegedly past due was {$130.00}. I'm curious if there is a standard for how long a credit card company has to post credits to the cardholder 's account after the payment is received. In this case Capital One seems to be preying on people whose banks submit check payments on their behalf ( in my case the previous credit card issuer for this account was able to receive electronic payments from my bank ). The representative and supervisor I spoke to highly encouraged a direct ach draw from my bank account to alleviate my concern with Capital One 's timeliness in posting credits ; however, I explained to them I choose to maintain positive control in reviewing account statements and actioning payments myself through my bank.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HW Holding, Inc (MO)

on XXXX and XXXX this agency is reporting a debt of XXXX as of XX/XX/XXXX to XXXX XXXX for a property in XXXX XXXX I never lived in. the only exchange of money was for an application fee. no money ever exchanged to move in address no deposits and no utilities in my name. a lease was electronically signed and voided on the same day without ever moving in due to some comments that were insensitive and prejudice over the phone. 

from XX/XX/XXXX to XX/XX/XXXX I lived at.XXXX XXXX XXXX XXXX XXXX XXXX and moved to where I currently live which is XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX I have utility bills I can provide as well as leases to show. 

If i have never lived at the address : there is nothing to pay and nothing will be paid. I received one phone call from this business about 4 months ago no debt validation letter or notice of debt ( since I have never lived at the address ) take this s ..off my credit report for XXXX or XXXX
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MD)

I received a letter from XXXX XXXX stating I owed {$1700.00} for a XXXX from an account that was opened in my name. I don't own a XXXX, and I never opened an XXXX XXXX account. Now, the account has been turned over to collections to a company called Sequim Assets Solutions, LLC. And they sent a letter.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

I have not supplied proof under the doctrine but of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Consumer complaint received 2021-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was offered a cash advance on my XXXX XXXX XXXX credit card and chose to borrow {$10000.00} as a cash advance to make a purchase. 

My credit score was XXXX before this transaction. I have not even had a first payment and this single transaction forced my credit score down to XXXX. This impacts my future borrowing capability and will increase interest rates. 

No other financial information on my accounts has changed. 

The change is egregious and no disclosure was made to the potential impact. I have contacted XXXX  XXXX XXXX and XXXX and received poor treatment and a total failure to explain why such a massive impact to my credit.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX or Experian are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the information.
Consumer complaint received 2019-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-10-26
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. (NC)

I have filled the 1099 A and became owner of this debt. 

This account is revolving and sent to the United States treasury XXXX XXXX estate Article 1 section 10 United States America republic constitution Hjr 192 public law 73-10 48 48 stat 110 pg 112-113 18 USC 8 Obligation or other security of the United States. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 

He who seeks equity must do equity.
Consumer complaint received 2019-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Arnold Scott Harris, P.C. (KS)

This is a State of XXXX TAX debit which was paid last year and the company calling XXXX XXXX Law Firm ( read XXXX-XXXX  XXXX ) verified I was paid yet they continue to call trying to collect a debit not owed, this was paid direct to the state of XXXX from other tax refunds, the " law '' firm is not actuate and has poor record keeping. 
I am tired of the repeated phone call about a paid debit
Consumer complaint received 2018-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I am the co-signer on my daughters loan, I sent a check for XXXX to pay-off the balance, the check was cashed on XX/XX/17 by XXXX XXXX ( which was bought out by Navient ). 
The check was never applied towards the loan. My daughter and I have spent several days/hours on the phone with no answers to where the check went. I have a bank statement that states it was cashed by XXXX XXXX but the Company ID belongs to Navient. This is very frustrating and upsetting that nothing is being done. Nobody at Navient seems to know what they are doing. Please help?
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had the Bank of America Visa since XXXX. In XXXX, I added my daughter as an authorized signor on the account. We recently agreed that she should be a joint owner, and contacted Bank of America for the necessary paperwork. The paperwork was completed, financial information and signature accepting legal responsibility by my daughter and my signature authorizing her to be added to the account. These were mailed to the Bank of America, XXXX, TX address on XX/XX/XXXX via the USPS. 

On XX/XX/XXXX, she gets a letter congratulating her that her request for being a co-applicant was approved. It was HOWEVER approved for the account of XXXX XXXX XXXX with an account number ending in XXXX. The account number is different that mine, and neither of us know a XXXX XXXX XXXX. 

My daughter asked, multiple times to please look at the paperwork adding her erroneously to the XXXX account, so she could be rightfully added to my account. The supervisor said that the bank did not have access to the paperwork, and to reapply again. 

We have a concern for the following : We sent in an application XX/XX/XXXX to have daughter added as a co-applicant to my account ( referenced above ). 
She received an approval dated XX/XX/XXXX and received a week later but was added as a co-applicant to a XXXX XXXX XXXX account # XXXX rather than my credit card account. 
Despite several calls by daughter and myself, no-one at the bank would even check if the application should have been adding my daughter to my account. They instead closed the XXXX account for fraud. 
Bank of America claimed that they can not access the application for credit ( adding daughter as a co-applicant ) to verify if it were fraud or a mispost. 
There is an application for co-applicant on my account with account numbers, signatures, social security information and financial information that the bank claims they do not have, although within an appropriate timeframe they added daughter to a stranger 's account. 

The credit card account has been open for 23 years, has never been a day late, and profitable for the bank. I hope that you can help us with our issue.
Consumer complaint received 2022-04-30
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. (CA)

I obtained this secure card to improve my credit, but XXXXXXXX XXXX XXXX XXXX XXXX did nothing but destroy my credit. They incorrectly reported my balance as {$700.00} when my balance was XXXX. 

I spoke with a representative and a supervisor on XX/XX/2022, and they acknowledged that my account was paid in full, but there was nothing they could do to correct their mistake on my credit score because they would only report once a month.

They told me I had to send a letter regarding incorrect past reporting on three different credit bureaus, and it would take time for them to review and correct.

Inaccurate payment history information prevents me from obtaining the credit I'm trying to apply for because it lowers my credit score. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-02-11
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: FIFTH THIRD FINANCIAL CORPORATION (CO)

I have been making my mortgage payment online and have never delayed my payment. However, in XXXX my mortgage processer " fifth third bank ' notified the credit agencies that my XXXX and XXXX payments were late, They did it the same again in XXXX XXXX and XXXX. In both instances, I was traveling overseas for over six months and I had no knowledge of the change in escrow on my mortgage, which apparently increased my payment without my knowledge. I have subscribed for the online statement with Fifth Third Bank, yet in no time did Fifth third bank Notify me of new payment in email as a result of the change in escrow. I tried to log in to Bank 's website while overseas but I was frozen out of my account. Despite that, I had paid my total mortgage payment for those two months in both instances through online banking payment on time, minus the escrow difference. In addition, In XXXX, I was stuck overseas from XXXX to XXXX XXXX due to covid. Since I returned to the US in the first week of XXXX and discovered these discrepancies while checking my credit on XXXX XXXX, I made several attempts to call the Fifth third bank to resolve the matter but they are giving me a cold shoulder. My question to CFPB is, should I be penalized despite making my payment on time? Why should I be penalized when the bank failed to notify me and didn't allow me their web access that would have allowed me to see new payment after escrow changes?
Consumer complaint received 2018-02-15
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. (AR)

I am requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file, of the account listed below. In the event that you are not able to provide me with Verifiable Proof, Then I am requesting that the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
Consumer complaint received 2022-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On or about XX/XX/XXXX, I refinanced my mortgage loan with XXXX XXXX. Under the contract, I was required to provide proof of homeowner 's insurance to XXXX XXXX, which I did ( see Exhibit A attached hereto ). Thereafter, XXXX XXXX  assigned the loan to be serviced by PHH Mortgage Services ( PHH ). On or about XX/XX/XXXX, PHH mailed me a letter indicating that I never provided it with proof of homeowner 's insurance for the period of XX/XX/XXXX, through XX/XX/XXXX, and that they would buy insurance for that period for me if I did not provide proof of insurance for that " lapse period. '' Despite the fact that I provided proof of insurance to PHH 's predecessor, XXXX XXXX, I obliged PHH 's request and sent proof of insurance for the requested period ( see Exhibit A attached hereto ). Nonetheless, PHH billed my escrow account for {$1200.00} for the insurance policy for the " lapse period. '' No such " lapse period '' ever existed. Proof of insurance was provided to XXXX XXXX  ( PHH 's predecessor ) at the time the loan originated as was required under the terms of the loan. PHH nonetheless billed me for the insurance policy and refuses to refund the amount. I re-submitted the proof of insurance, and PHH still has taken no action. 

Additionally, the loan contract with XXXX XXXX, which is now binding on PHH, does not authorize PHH to retroactively purchase allegedly " lapsed '' insurance. ( See Exhibit B - the attached portion of the contract with XXXX. ) The contract does permit XXXX or its successors to purchase hazard insurance prospectively if such policy is in danger of expiring, but that is the only instance in which XXXX or its successors are authorized to buy insurance on behalf of the consumer.
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC