davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account # XXXX ( ALL 3 ) XXXX/XXXX ( XXXX ) XXXX XXXX XXXX. XXXX, OH XXXX ( XXXX ) XXXX ( XXXX & XXXX ) XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX ( XXXX-one open-one closed ) XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX. IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Consumer complaint received 2023-01-10
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See documents attached.
Consumer complaint received 2020-07-21
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: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

sent 609 and 611 letters to original creditors and credit bureau for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies.
Consumer complaint received 2024-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (IL)

I applied for a loan assumption on XXXX XXXX 2024. I resent the application again on XXXX XXXX 2024 because I was told that they never received it. Then I received a letter in the mail stating that they closed my application because they never received my documents. I have sent them several emails and have received no response. I would like to know the status of my application.
Consumer complaint received 2023-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

I pay all of my bills at the same time every month. I go through a checklist and mark each paid as I go. I have zero late payments on my credit history and am very meticulous about my credit. 

I had a loan with Chrysler Capital for a car lease. I've been with them for almost 6 years and you can see my history with them is impeccable. I'm always on time. 

I'm not sure exactly what happened in XXXX, but I paid my bills like usual and for some reason this payment did not go through. I'm assuming a technical error on their end. It did not have to do with the money in my account as I maintain more than enough in my account to cover XXXX payments. 

I did not notice this happened at the time. I found out when it was reported to a credit bureau and my credit monitoring alerted me. 

In that time, Chrysler Capital did not email me ( even though they email me for everything else ), send me a letter, or call my correct number. I literally changed my number with Chrysler Capital 5 times over the last 5 years. They called my old number that I keep trying to delete, even with them on the phone. They are completely incompetent. 

So they can't do something as simple as call the correct number that I changed 5 times, or email me, even though I have been a loyal customer to them for many years. 

I have called them several times and spoke to several people that were very rude ( I was nice as pie ) that all told me they can not remove this blemish from my report. 

On top of this, I am trying to move my family out of a bad area and buy a new home and now my mortgage rating dropped from this one blemish and I am unable to buy a home. With the new rate because of the drop in my credit score, it is unaffordable. 

Chrysler Capital has been horrendous through this entire process and can care less that they ruined someones life because of an error on their side and their incompetence to inform me of the error and late payment. 

Because of this, I will never purchase a Chrysler, XXXX, XXXX again and I will make it my duty to make sure anyone I know stays away from this terrible company.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I received a Notice of Court Proceeding to Collect Debt of {$1900.00} on XX/XX/XXXX and contacted Portfolio Recovery Associates , LLC on XX/XX/XXXX to inquire about an over the phone payment of a payment to avoid garnishment. I spoke with a manager named XXXX to work out a potential payment plan but he stated he needed approval and to contact again in the week for that decision. I contacted Portfolio Recovery Associates , LLC again on XX/XX/XXXX and spoke with an representative named XXXX. I asked for an update on my payment plan approval status, which she confirmed did not have an update, but even if approved, she would not allow it to proceed due to the status being too far into garnishment. I responded that the Notice of Court Proceeding to Collect Debt stated that I had 15 days of the mailing of the notice ( which was received XX/XX/XXXX ) to action one of 4 items to avoid garnishment, and I was attempted to proceed in option 2 - Complete the attached form entitled " Payment to Avoid Garnishment. '' Based on the calculations listed on the sheet, I could send in a payment of {$380.00}, but was offering to put {$1000.00} and work out a payment plan. XXXX said that the garnishment was too far in the process and that I would need to pay the full amount via money order or cashier 's check. I inquired why, as the document I received stated I can do a calculated payment to avoid garnishment within the limit of 15 days, XXXX stated that the 15 days was from XX/XX/XXXX, and added that although she didn't want to " throw shade '' she said they sent letters a long time ago to avoid this. I again inquired how it could be in garnishment when I just recently received notice to avoid a garnishment. After no conclusive explanation I wrapped the phone call. ( Call placed XX/XX/XXXX to ( XXXX ) XXXX at XXXX XXXX.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

XX/XX/XXXX I submitted a mobile deposit to my Truist personal banking account in the amount of {$1400.00}. XX/XX/XXXX I received an email noting that is was placed on hold. It did not contain any info on how long the hold was for or why it was held. I called the customer support line XX/XX/XXXX and they could not provide any info. I called again on XX/XX/XXXX and spoke to a supervisor. The check was being held due to doubtful collectability but she could not tell me what was the reason for that belief. I informed them this was against the Federal Reserve policy in regards to information that must be contained in a hold notice. I was told to contact the local bank as they would have more info. XX/XX/XXXX I also called a local bank branch. The branch manager noted Truist has been placing generic auto-holds. I informed him by regulation they must note a reason and it can not be generic. He noted he did not have any additional info but if I wanted to see if the hold could be lifted I would need to come into a local branch. Truist is not following regulation in regards to holds.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I'm trying to compare auto insurance policies so that I can save money. My driving record provided by LexisNexis states I was in an accident in XXXX and XXXX. I have never, ever been in a car accident thankfully. It also lists that I didn't have sufficient auto insurance in XXXX, which is also false. I have called the phone number listed on the website and in my driving report several times, it is impossible to contact a human. No information on their website is available to dispute this information. The only avenue to dispute the false report is by filing a complaint.
Consumer complaint received 2017-08-01
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. (GA)

I sent a letter to Equifax on XX/XX/XXXX asking that they verify the debt of several accounts. After the first letter, they deleted 2 accounts in their response on XX/XX/XXXX but did not verify any accounts. On XX/XX/XXXX, I sent another letter requesting proper verification of the remaining accounts as well as the name of the person who verified the accounts. On XX/XX/XXXX, Equifax replied by simply stating, " We have verified that this item has been reported correctly '' and listed dates and amounts of said accounts. I sent a third letter on XX/XX/XXXX, asking again for verification of the remaining accounts. I was able to remove 2 of the account from my list after doing a little research myself but I have never done any business with the remaining 2 accounts so I am looking for a true validation of debt to determine why and how these 2 collections were listed on my credit report. In their response to my 3rd letter, they stated, " We have reviewed your concerns and our conclusions are : Please be specific with your concerns by listing the account names, and numbers, and the nature of the dispute. '' Their final response was very disappointing because they simply pretended that I did not send them anything. Each letter was sent with a copy of my driver 's license, my SS #, and a letter with a list of accounts. Each letter was also sent certified mail so I was completely taken aback by their latest response and thus the reason for the complaint. Proper verification of the 2 remaining collections listed on my credit report would be greatly appreciated. I would like a solid verification as outline in all three of my letters without defecting and placing the blame back on me.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (IL)

I initially received an Old Navy store credit cards several years ago. At the time I opened my account, I managed my account online using the username : XXXX. My account was then transferred to a Visa issued Old Navy card. My store credit card account was closed. My Visa issued account was maintained and managed through the username XXXX. I have always paid my account online and relied on online access to view my account. In XX/XX/XXXXof this year I reported my card lost and was issued a new card, but was still able to access my account via the username XXXX.
On or around XX/XX/XXXX, I attempted to access my account to make a payment. I logged in using my username XXXX and the information regarding my Visa account was gone. I did not receive a paper statement. In fact, I received an email indicating my statement was available online using my login, which was false. I contacted Old Navy using the online chat service and was told I no longer had access to my account. The explanation being only one account could be associated per username. I asked why my active account would be removed and not my closed account. I asked them to resolve this issue and was provided no assistance. On XX/XX/XXXX, I again received an email notification to access my statement online. On XX/XX/XXXX, I attempted to access my account online and again found no information regarding my account. I was given no explanation as to why I had not received a paper statement if my online access was blocked or why online access to my account had been removed. I was given an ultimatum that the only way to make a payment - despite not receiving a statement - was via the phone.
Old Navy 's acted in way that was fraudulent by removing online access to my account in effort to collect late fees and increased interest charges ( due to an increase balance ) that would otherwise not be entitled to. They removed online access without warning and explanation and failed to remedy the situation such that I received paper statements in the mail. They knowing impaired my ability to review my statements and make on time payments.
Consumer complaint received 2021-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2020, I disputed several collection items, XXXX XXXX Account number XXXX -- Account number XXXX with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Consumer complaint received 2020-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is violating my rights by placing a fraudulent account on my credit report. I am a victim of identity theft and I will file a lawsuit against Bank of America if they do not remove this fraudulent account from my XXXX  and XXXX  credit report. 

Someone opened this fraudulent account in my name without my permission. Please remove and delete immediately : 1. Bank Of America Account # : XXXX
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Disputed with the XXXX  XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account BANK OF AMERICA in the amount of {$3500.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXXis not responding to my correspondence.
Consumer complaint received 2017-06-09
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. (TX)

The original creditor is  XXXX   Store Card.  The problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of  XXXX / XXXX . On the  XXXX  report it shows the chargeoff don e in   XX/XX/XXXX  , on  the  XXXX report it shows that i was in good standing with them during that time. It also has no close date on  XXXX  or  XXXX . No high balance recorded on   XXXX   or  XXXX . No visible Account number, it is completely blocked out. On Transunion, it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all  XXXX  credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to them o n / XX/XX/XXXX to h ave the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. Thank You
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NH)

I requested an appraisal from Wells Fargo in order to drop my PMI. Before doing so, I had consulted with a local realtor and felt confident in our property value. The first appraisal by Wells Fargo came back at {$270000.00}, approximately {$7000.00} lower that necessary to drop PMI, and {$10000.00} lower than my LOWEST expectations. I have had both a realtor and a local mortgage broker share with me that they feel I should be appraising at a minimum of {$290000.00}. 

I have tried following up with Wells Fargo for an explanation as to why they arrived at that value, including asking why they are only calling my property a XXXX bedroom home, while it is indeed a XXXX bedroom home. Rather than answer my direct questions, each time they sent me a new appeal form. My first appeal resulted in a {$200.00} property value increase ( laughable. ) The subsequent XXXX appeals have not changed. I still do n't have an answer as to why they wo n't call my home a XXXX bedroom, and why the comparables I have shared with them, all within a XXXX mile radius of my home and averaging {$300000.00} each are not considered in my appeal. 

At this point I feel that the process is not being conducted in a fair manner.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

This bank is horrible its not fair the way they treat me horrible I reported that I cant use my card it asks for a PIN number which is ridiculous when its a credit card not a debit card when I try to use XXXX XXXX at a store it asks for a PIN number its not fair now they put a hard retriction my card was declined I call and find out their is a restriction I asked why they refused to remove it or help me to use my account how is this fair when I was approved these people this bank is the worst horrible they like to bother me and aggravate me they enjoy torturing me
Consumer complaint received 2020-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I have submitted loan payments through XXXX bank to AES for over 15 years. I submitted this month 's payment on XX/XX/XXXX. XXXX processed it on XXXX and received by AES on XX/XX/XXXX before my XX/XX/XXXX due date. As of XX/XX/XXXX, they are showing my account delinquent which threatens my credit score. I've contacted customer service multiple times and have been given the runaround. I have proof that AES received the money and they won't take it in a convenient format, instead, wanting me to mail it via XXXX so that my credit score will be FURTHER impacted. This is not right! I've been paying these crooks on time for ALL of my adult life, they can at least have the competence to apply my payment correctly.