davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
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: ProCollect, Inc. (MS)

On XX/XX/XXXX I sent " On XXXX XXXX. Pro Collect added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this is mine. According to FCRA, Pro Collect has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.On XX/XX/XXXX Pro Collect response : '' Procollect received the consumer 's account from our client XXXX XXXX XXXX on XX/XX/XXXX. The consumer owes a balance of {$3100.00}. The consumer 's dispute has been noted and the account has been updated. 
Procollect will mail proof of the debt to the consumer 's address XXXX XXXX XXXX XXXX, XXXX, MS XXXX. I apologize for any inconvenience this may have caused. The consumer may provide Procollect with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX XXXX. The consumer may contact Procollect @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer has any further questions they may contact me, Mrs. XXXX, directly @ XXXX ext XXXX. 
Thank You '' I still have yet to receive validation and proof of debt. It has been past 30 days.
Consumer complaint received 2020-11-25
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 still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The dispute numbers were XXXX XXXX Equifax XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XXXX  or Equifax to resolve anything. There was also data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. The bureaus must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2022-01-19
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: JPMORGAN CHASE & CO. (TX)

I have been in contact with XXXX XXXX of Consumer Affairs, spoke to a supervisor name XXXX XXXX. I have submitted a police report and an identity theft report regarding the account for JPMCB, and XXXX XXXX, which is still reporting. I have filed a lawsuit, and nothing has happened with this account. It was settled, and still no removal of an account I did not authorize. My desired outcome is for these items to be removed in my favor. 
I have sent documents already.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX XXXX Balance {$29000.00} Account : XXXX XXXX accounts XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX I Originally creditor XXXX XXXX Balance {$230.00} 15 USC 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of Information Any other adverse item of information, other than records of convIctions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Premier Auto Credit (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-11-04
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: Village Capital & Investment LLC (CA)

My lender Village Capital accidentally transferred my mortgage to another servicer and reported it to XXXX. This caused the account to reflect as closed with a remark which in turn caused my credit to go down XXXX points. 
I reached out and on XXXX they advised the account was not closed and it would be corrected in 30-45 days. 
There was a correction made on the report, I got XXXX points back later that day. However, on XXXX, the score went down XXXX points due to a balance decrease, account closed and another remark. On XX/XX/XXXX, the score went down another XXXX points for a balance increase. My score is now decreased by XXXX points total. Even more than the first time they made a mistake. I have reached out by email, the only way to contact the credit department, about 3-4 times and have not heard back at all. Its about to be 45 days and the matter has gotten worse. I received a letter by mail from the other servicer who the account was transferred to advising it was a mistake and the account was sent back to Village Capital. They has the decency to reach out to me. village capital has not reached or corrected the matter. 
I worked hard on bettering my credit to purchase another home. 
Now one mortgage company has thrown it all away for me when my account with them now is in GREAT standing.
Consumer complaint received 2015-04-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NV)

I have been unemployed and have been receiving harassing phone calls constantly ever since I could n't pay. I attempted to start a payment plan on what I could currently afford and was refused because they did n't consider it enough. I requested the phone calls to stop and they refused stating they could call and harass me XXXX times a day by law. I know I can request a stop in calls but they refused.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OK)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2023-08-05
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)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 
Account Number started in XXXX. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have several charge offs with XXXX XXXX Police XXXX. They have sent me 1099 's on these items and indicated they will no longer collect on them. I am unable to settle or even pay on these debts. I contacted this credit bureau to remove the balance on the item. My rights under the Equal Credit Opportunity Act ( Reg. B ) and the Fair Credit Reporting Act provide that bureaus can not list balances on past dues that I am unable to cure. Since I have had to take these charged off, XXXX balances as income, maintaining them on my report as items that I must pay is DOUBLE JEOPARDY. 

I have attached copies of the 1099 's. The accounts are listed as XXXX, XXXX, XXXX.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I believe my information might have been in the wrong hands or part of a data breach these following inquiries and account does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also account from XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX presented an offer for their credit card, issued by Barclays Bank, to all passengers on my XXXX XXXX flight from XXXX, Hawaii on XX/XX/XXXX. The flight attendant clearly explained several times to all passengers that this new and improved offer now includes XXXX bonus miles that are added to your XXXX account after your first purchase ''. The flight attendant repeatedly stated that you only need to buy a pack of gum and the XXXX bonus miles will be automatically added to your XXXX account. She also stated that this many miles is enough for two roundtrip tickets from the west coast of the continental US to Hawaii. She walked down the aisles passing out brochures and told me that I can apply when I get home. I asked for a brochure and saw that it is also stated in the brochure Earn XXXX Bonus Miles after making your first purchase. 

Based on this offer, I completed the application on the website that is listed in that brochure ( XXXX ) and it was approved. This website is owned by Barclays Bank. On the home page of this website it is also clearly stated in bold letters Earn XXXX Bonus Miles after making your first purchase. I received my credit card in the mail and I immediately made a few purchases on it to fulfill my obligation to earn these XXXX bonus HawaiianMiles. 

However, my online account now states that I need to make {$2000.00} in purchases within the first 90 days before I get any bonus miles. I have spent many hours contacting both Barclays Bank and XXXX XXXX multiple ways, including speaking to a supervisor, but both companies are refusing to do anything to fix this.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

I currently have multiple loans with navient. On multiple occasions I called navient looking for options to help me pay my loan balance. They only offered forbearance as an option. After I used all of the forbearance that I had available they then offered me a payment plan which would lower my interest rate. The rate reduction program is a joke because the idea is for your rate to gradually increase each year. When I started the rate reduction program my payments were somewhat affordable. Now my payment has increased even though my overall financial situation has n't changed.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputed multiple addresses and other false or in accurate information on my credit report With Experian to the point where they won't let me file a dispute using the app anymore on those particular items. A caption that comes up every time It says a certain account is still reporting but if I tell them it isn't my account then why are they even letting it report? I did some disputes for Experian XXXX XXXX through the mail and both same results no luck with any of it. There is a lot of errors and inaccurate information on my credit report which is a total violation of the FCRP act. So I sent in a personal information update letter with my Current Personal Information. All was done was the added my new information with the inaccurate information that I've been trying to get off for the last 3 years or more. I filed a Identity Theft report and they still haven't removed any of the fraud or inaccuracies off my credit report and they fail to physically verify them also and will not delete them. Which is also a violation FCRP Act. They have no regard for the individuals whose information they make money off even if its wrong and it does slander the individual whose name is on the Credit Report.
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (MI)

The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX  was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes by means of a XXXX ( XX/XX/2018 ), Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days.  Please see items below Equifax XXXX COLLECTIONS XXXX {$210.00} not mine XXXX {$15.00} not mine XXXX {$110.00} not mine XXXX {$1400.00} not mine XXXX {$220.00} not mine XXXX {$110.00} not mine XXXX {$280.00} not mine
Consumer complaint received 2022-01-19
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. (TX)

Hi, I mailed out a letter to Experian regarding my credit report. I have requested for validation and for them to provide me with original contracts of the accounts I wanted investigated. I sent out my first letter XX/XX/2021, they acknowledged my letter was received on XX/XX/2021. They never sent anything that I requested instead the updated the accounts. I sent a follow up letter on XXXX XXXX requesting their method of verification. They acknowledged that they received my letters on XX/XX/XXXX and on XX/XX/XXXX, they sent me an email stating my disputes were complete. They did not provide me with what I requested and they resolved my dispute in only a few days, how could they have verified in such short notice. Would you be able to help me
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

My complaint echo 's the suit being filed against Navient. Any time I have reached out to Navient, they have n't assisted me with lowering my payment. I also have tried to reach out to them and pay a lower amount monthly which they have declined multiple times. Recently, the company automatically put my loans in forbearance without my permission. Also, when I fell behind on payments they would constantly harass my co-signer. They would call as early as XXXX, about 7 times a day.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MT)

I paid XXXX thru Venmo to an individual for a place to rent. The place was advertised on XXXX. I now know the individual should have registered as a business account. Venmo needs to do more to verify the accounts they allow to use their services. The individuals name is XXXX XXXX. He had me make the payments to XXXX. XXXX XXXX email address is XXXX. I moved to AK with the intent of moving into XXXX XXXX XXXX XXXX. I had verified XXXX XXXX owned the property thru the XXXX XXXX website. Upon arriving in AK, I went to the residence. XXXX XXXX doesnt own the property and someone else lives there. I am in desperate need to get my money back, to be able to find a different place to rent.
Consumer complaint received 2021-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. XXXX XXXX CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX Please provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. 
Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. 
IF YOUR COMPANY ATTEMPTS TO CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (SC)

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ALLY FINCL XXXX Balance : {$5200.00} ALLY FINCL XXXX Balance : {$36000.00}
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear CapitalOne Tech Support, I have not been receiving any account status emails such as statements, alerts, and notices for all 3 of my CapitalOne accounts since XX/XX/2020. I often verify the email is in fact working and receiving from other sources, yet it is not working for CapitalOne for some reason. Before fixing the issue, it is important that you first verify it is not working. I will give you access to my email to help you debug and resolve the issue on your end, for it does receive emails from other sources. I will work around your schedule and assist you in every way possible. Please call me at the cell number listed in my account. 

Thank you very much XXXX XXXX Accounts ending in : XXXX, XXXX, XXXX
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

I had a checking account with Wells Fargo from XXXX to XXXX at XXXX XXXX location and I had overdraft protection but I was still charged fees of XXXX to XXXX dollars each overdraft item my name is XXXX XXXX XXXX I want to find out if I'm owed any money for these transactions