davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I currently have an account with capital one that is current to this date and also active however there was a phone call made on my behave that was suppose to set up auto pay I spoke with an agent and this request was allegedly executed mean while I received an alert from credit karma that informed me that my account was over thirty days delinquent reported in the month of XX/XX/2018. I spoke with another agent about this matter they apologized credit my late fees back and also said that the delinquent reporting would be removed. Now Im getting the run around and the company is saying that they cant find the recording all I would like out of this is the delinquent reporting to be correct because I was very diligent and proactive when it came to this matter. I knew I wanted my account to be enrolled in auto pay because of the XXXX XXXX XXXX XXXX which is a veteran and I needed some XXXX to help me cope with this XXXX XXXX. In addition I understood I would not have had time to manually make payments to account and again I do dont want any for free or a handout I just would like my account status to be reported correctly because botched auto pay sign up thank you
Consumer complaint received 2019-10-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

This is regarding Navient. I also had a situation where upon completing medical school, I would have to annually set up my IBR and reapply for it. Every time I called them, I would be pushed by representatives to push my loans into forbearance. I am out and refinanced my loan since I didn't trust this lender. It was also very difficult to reach anyone regarding loans. I recall asking for sincere advice and now in retrospect, they acted to keep all loans going as long as possible. It was a horrible experience and I am so happy that this is being taken care of by the CFPB
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA XXXX XXXX Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA XXXX XXXX XXXX XXXX XXXX XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA XXXX Civil liability for negligent noncompliance [ XXXX XXXX. XXXX ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2018-06-06
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: Bread Financial Holdings, Inc. (NY)

To whom it may concern my name is XXXX XXXX residing at XXXX XXXX XXXX I have been contacting XXXX for over 2 yrs now trying to get them to fix my credit report only to have them raise my score for a week and then find a reason to make my score even lower everytime I contact your company to report them. XXXX continues to create reasons to lower my credit score fraudulently. There lastest tactic is double reporting a fraudulent account that doesn't even belong to me which is children 's place which was reported {$420.00} Closed XXXX Reported : XX/XX/XXXX Which looks like it's one account reported twice but the account isn't mine and I wanted it removed off my credit report and I want my score raised to where it should be like it is at all other credit bureaus because the account they are reporting is fraudulent and does not belong to me. They are also reporting XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed This account is also fraud and does not belong to me and I want it removed from my credit report because it is fraud. My credit score should be at least 700 this company needs to be investigated because they fraudulently report and when you try to make them aware be getting outside people involved like your company the retaliate by lower your credit score. I have had this problem with XXXX for over 2 yrs and would like it resolved as I am XXXX and there false reporting g is causing a tremendous amount of stress on my life. I am considering a lawsuit if this isn't fixed as the stress is causing extreme health issues. Please help me resolve these issues with there false reporting. Also I keep asking them to add my employer which they still haven't done which is XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I received a claim on my credit report from Credence Resource Management. They claim that the original creditor was XXXX XXXX. I called XXXX to ask if they have reported a balance against me to a collections company. They did not have any record of me owing them money. I now have a balance owed to Credence Resource Management for the amount of {$700.00}. 

The report claims that I opened an account on XXXX. I did not. 
The balance was reported on my credit on XXXX. I filed a dispute through my XXXX account on XXXX. 

I called Credence Resource Management on XXXX and told them to remove the claim from my credit report. I also emailed them on the same date stating the same thing. I have never received any voicemails, mail, or emails from this company at any time.
Consumer complaint received 2018-06-06
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. (MD)

Experian is incorrectly reporting 2 accounts on my credit report. These accounts are inaccurate. In addition, Experian is in violation of Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). Experian is also reporting these two XXXX accounts that are CLOSED and CHARGED OFF as ACTIVE late payments. 

Lastly, the have listed that there are 3 late accounts on my report and this information is incorrect as well.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I have a loan with TD BANK USA/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TD BANK USA/XXXX with no successful resolution. XXXX, XXXX and XXXX   are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2018.
Consumer complaint received 2022-03-31
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. (NY)

I am writing today because I am shocked on how poor attention and lack of investigation XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX Account Number XXXX The first error date of activity XXXX is reporting XX/XX/2021 and Equifax is reporting XX/XX/2021. 

The second error account status XXXX is reporting closed and Equifax is reporting open. 

The third error payment status XXXX is reporting payment status as collection/ charge off and Equifax is reporting Late 120 days. 

The fourth error is last payment XXXX is not reporting a last payment and Equifax is reporting last payment XX/XX/2021. 


I have sent numerous letters to Equifax and XXXX they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. I have the right for 100 % accuracies on my credit report.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC (TN)

Each month since XXXX, I began paying monthly payments to North State Acceptance for a car loan, Ive been hit with a remark by the company which affects my credit score by XXXX points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Concerns About Capital One Initially I should explain that I am not a resident of the United States nor have I had, to my knowledge, any dealings with Capital One. 

My concerns arise because of a succession of emails I have received from Capital One which relate to an account holder called XXXX. 

These emails appear to give me the opportunity to access XXXX account. 

On receipt of the initial emails I contacted my own bank which has confirmed that there is no apparent malevolent activity. 

I contacted Capital One on their customer service number and sent them the original emails. The response on the telephone could be best described as disinterest but the operator said that I would be contacted eventually by Capital One. Other than an acknowledgement I have no response to my emails or the original telephone call. 

On XX/XX/XXXX I received another email for XXXX offering better interest on her deposit accounts which I forwarded to Capital Ones complaints service. Again I have received no response. 

My concerns are two fold, firstly, how did Capital One obtain my email addresses and secondly, what, if any action have they taken to ensure that if XXXX is a real account holder her account has not been compromised. 

If these concerns are in any way within your remit and you would like additional information I would be happy to forward the original emails to you. 

Regards XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2021-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I refinanced my home mortgage with XXXX XXXX. 
Initially, they themselves serviced my loan. 
I was notified on XX/XX/XXXX that XXXX XXXX  was transferring loan servicing to Chase Bank. 
XXXX XXXX transferred information about my loan to Chase Bank. 
I was given a new loan number by Chase Bank and was able to log into my newly set-up account at their bank. 
However, when I went to set up payments by fund transfer from my personal account at XXXX XXXX XXXX XXXX, Chase Bank requires that I enter my personal log-in ID and my personal password for access to my XXXX XXXX XXXX XXXX account into a third-party subcontractors website " for verification purposes ''. 
They do not state who this third party is. 
They also then require me to acknowledge that both Chase Bank and this un-named third party have full indemnity for any possible misuse of this access to my personal checking account. 
As you can imagine, this is leaving the barn door open for fraud. 
Trying to contact Chase Bank is impossible. Tremendous phone trees, agents who don't speak my language clearly, extremely poor phone connection quality, repeated hang-ups or cut-offs. I spent 90 minutes on this and gave up. 
My local Chase Bank refuses to do anything for me. 

This is an egregious behavior on the part of Chase Bank and needs to be stopped.
Consumer complaint received 2021-07-01
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-07-01
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

I called company XX/XX/XXXX received a notice about debt I never received a bill showing that it was my debt and when I ask for bill because I needed to verify that it was my account I was told it needed to be paid in full and I couldnt get a bill I needed to contact company.i was also advised that when I called back I needed to make a payment and they dont accept settlement amounts .the billing date was XX/XX/XXXX and debt just showed on report XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-06-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MA)

I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property noted to CITIMORTGAGE , INC . Via Certified Mail XXXX I requested that CITIMORTGAGE, INC. returns my property to me and they refused to do so. 
I sent this request on XXXX/XXXX/2016 and have yet to hear anything back. The Promissory Note belongs to me and at no time was this monetary instrument ever the property of CITIMORTGAGE , INC .
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (AL)

I received two overdraft fees on transactions that did not overdraft my account. I show on my account that these transactions did not overdraft my account. In their ridiculous ploy to steal money it even shows on my account history that other transactions posted after the two in question that were not assessed an overdraft fee.
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

They call me ( rarely ) but when they do, I tell them to stop calling, but they keep calling. They called me this evening ( around XXXX XXXX  ) and I told them again to stop calling. They hung up on me. What do they not understand? Doesn't help blocking them as they use a different number every time they call!
Consumer complaint received 2018-01-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (TX)

i received a letter from XXXX XXXX XXXX to apply and refinance my mortgage i call and contact XXXX XXXX XXXX and he run my credit and ask for my ssn and told me that he was going to lower my rate fron % 5 to % 4.3 and i email him all my house information he also told me that i didn't have to worry about XX/XX/XXXX and XX/XX/XXXXpayments that they are taking over the loans and i told him that that sounds really goods so i can buys gifts for my relatives i was also contact by XXXX XXXX XXXX assistant and told me to call my morgate company and find out if they where to going to pay for the propery taxes so i called and they told that they are not and after that like XX/XX/XXXX and afther that day i called them both. email them both i also. i also called to speak to a supervisor and no one from this company have return my emails or called now my credit score dropped 100 pints due to this people unprofessionalism
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

On XX/XX/ 2018, I initiated a wire transfer with my bank. The wire transfer authorized {$10000.00} to be transferred to XXXX XXXX to be deposited into my Coinbase account. The wire was completed that same day. However, its been several days later and the funds are still missing from Coinbase Account. Several attempts have since been made to contact the company via phone and email.
Consumer complaint received 2018-01-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NV)

This was a VA loan and they overcharged on the fee for points according to VA. They took almost 3 months and complained they had too many other customers to take care of my application. I was also told I would have 2 months with no payments with new bank and the loan did not close until XX/XX/XXXX and the payment was due to XXXX by XX/XX/XXXX so I had to pay as I promised to pay according the the Home Modification Program. I have called and tried to explain what they did but was told I got a good loan and to have a good life, they are done with me. The loan application was started XX/XX/XXXX and completed XX/XX/XXXX, they knew I was leaving the country on XX/XX/XXXX for 2 weeks so I could not do anything about it.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account completely from my Credit Reports : XXXX  XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/2017 2017