davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Given the gravity of this situation and its impact on my mental health, I respectfully request an immediate correction to my account. I trust that you understand the urgency of rectifying this error and restoring the accuracy of my payment history. 

Please expedite this matter to ensure a prompt resolution. Your assistance in this regard is greatly appreciated. 

Thank you for your attention to this issue.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2020-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I recently was informed that Capital one was reporting a 30 day late payment to all three credit reporting agencies. After contacting Capital One via phone, the customer service agent identified that 2 payments were credited to one of my cards and none to the other. The payment in error would have paid off the account in question. The agent informed me there was nothing they could do. 

As a customer of Capital One for nine years without a single late payment, I believe this to be an unfair business practice not to be able to correct this situation. 

My card ending in XXXX had 2 payments, and my wifes card ending in XXXX was reported late.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MO)

XXXX  is reporting that an item from American Expre was, acct # XXXX ... XXXX has late payments as recently as XXXX of XXXX. I keep trying to have this problem resolved but on their report they simply will not change it, even though American Express verifies this account has been closed since XXXX. This is outrageous, it is damaging my report while I am trying to refinance my home, saying I have a recent missed payment on an account that has been paid and closed for six years. If they do not correct this issue after these repeated warnings, this being the last time, I will have no choice but to file suit under the fair credit act. This is costing me thousands of dollars. I know the people there are aware that I am correct and this is an error. They simply do not want to fix it. This is literal harassment. There is nobody there you can talk to. This is the last time I am doing this before my attorney gets involved.
Consumer complaint received 2020-05-16
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: Experian Information Solutions Inc. (MS)

On XX/XX/2020, I saw that a collection account using the name of XXXX XXXX started being reported to my Experian credit report. The debt is not mine and I have never received a bill or invoice from XXXX XXXX about this debt prior to it being reported on my Experian credit report. I disputed the account because it is not mine and Experian reported on XX/XX/2020, that XXXX XXXX verified the debt and it remains on my credit file. I wrote a letter to XXXX XXXX asking them to validate the debt on XX/XX/2020. As of today, I have not received a response from them. Yet the debt remains erroneously reported on my Experian Credit Report.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-07
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: Lending Club Corp (FL)

Around XXXX of this year I received an unsolicited email to check my rate on a personal loan from a lender I have used in the past ( LendingClub ). I submitted an inquiry and waited for a response on possible loan rates. I never signed any agreements to any loans. I later received an email that I was declined and I moved on. Later I received an email that funds were on their way. This was surprising since I never agreed to a loan and never provided banking information. According to LendingClub they sent funds to an old account that I had using old data and that bank account was closed by me over 5 years prior. LendingClub then told me to wait and funds would be returned and forwarded to me in approximately one week. I told them that I didnt agree to a lone and they told me they needed the funds back to make corrections. I advised them that I did not bank with that bank and I did not think they would release the funds. They told me they would take care of it but it would take approximately 30 days. After the 30 days they began calling me about the missed payment and at that point I contacted my attorney. My attorney sent them a demand letter to provide proof of a loan and they failed to respond to the demand letter. They also stopped contacting me. At this point I just want the credit to be cleared of their mistakes. I provided the information to all 3 credit agencies. Two agencies deleted the account. XXXX has been notified and given all documents on my part and has kept the account active. Ive asked them to provide information on proof they are communicating with LendingClub or contact information for my attorneys and no information has provided.
Consumer complaint received 2024-02-19
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. (IL)

I've recently received a copy of my credit report and noticed that there are inquiries reporting that I do not recognize and are unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-07-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX, I lost my car due to an car accident. The insurance company ( XXXX XXXX ) paid most of the total loss on the car with a balance of around {$1700.00} left which was subsequently paid by a refund for the extra car insurance provided by the car dealer which left a balance of {$290.00} in XXXX of XXXX. Capital one auto finance claimed they made an attempt to reach me by mail with a letter describing the leftover balance and urging me to contact them which was never received by me. In XX/XX/XXXX the {$290.00} amount was charged-off in the closed account for non-payment causing my credit score to drop more then 100 points. I have never made a late payment, missed a payment nor did I receive any communication or correspondence by mail, email or phone from capital one auto financing stating there was a remaining balance. They also have an app from which I made all my payments which was disabled by capital one auto financing following the accident and further impeded me from knowing what was going on with the remainder of my loan. They stated that they had no responsibility to contact me after they had received payment from the car insurance and when asked for a customer complaint division they stated they don't have one. After speaking with a representative at capital one auto financing I found out that there was supposed to be a survey correspondence following every call made to capital one following a customer service call and I have never received one. They have proven that they are unwilling to take responsibility for there actions by not sending me a survey throughout the life of the loan and continue to report an incorrect charge-off on all of the credit bureaus ( XXXX, XXXX and XXXX ).
Consumer complaint received 2019-05-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I had federal loans for my XXXX degree ( XXXX University ) from XXXX, then my XXXX degree ( XXXX XXXX University ) from XXXX. I have been working for a XXXX company since XXXX, BUT Navient told me that Did Not not count for Loan Forgiveness. I had been paying income based payments to Navient since XXXX. I also Did Not Know that you could Refinance your student loan. I just transferred my loan to a private lender in XXXX for a lower interest payment.
Consumer complaint received 2024-02-19
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: EQUIFAX, INC. (GA)

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, my account was closed and {$2300.00} was taken from me from my Bank Of America account with Arizona XXXX  XXXX XXXX XXXX on accusations of fraud. I proved my identity, sent in pictures of my social security card and drivers license, and was verified. I was issued a new card, and was told the money would be reissued to me. I never received the money back, and have been working with both companies for months and I havent seen a XXXX of that money that was taken away.
Consumer complaint received 2021-02-23
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: GOLDEN 1 CREDIT UNION, THE (CA)

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Consumer complaint received 2024-02-19
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian fails to complete a reasonable and accurate investigation despite proof of inaccuracies have been pointed out and supporting documents given. I am enclosing our communication and how they are blatantly ignoring the law to report things correctly on my file.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I usually make my mortgage payments directly out of my checking account, but because I am not working as I normally do I have sent cashiers checks certified mail. SPS Mortgage has lost 4 of my mortgage payments since I have been with them. I am current on my mortgage, but feel like maybe they need late charge money. I made XX/XX/XXXX's payment the end of XXXX and sent it certified return receipt and XXXX XXXX and they lost it.The check was signed for XX/XX/2020. I put a stop payment on the check and received a notice for NSF I sent the second check which was signed for XX/XX/2020 by XXXX XXXX. Again, we have called 4 times and keep looking at the payment site. They can not find the check. They have asked for us to make our payment out of my checking account. They do not care that they lost it and do not even pretend to be sorry. Banks are closed and walking in to put a stop payment on any type of check is not easy. They just want it sent again. I had reached out to their ombudsman department, a supervisor and numerous other people. Please help me I know that many people must be affected by their servicing. My background is Escrow so I am absolutely shocked at their service.
Consumer complaint received 2020-07-07
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. (NY)

For 10 years, all the bureaus have mixed, mingled, and crossed my info with someone who shares my DOB and a similar name! I have disputed, spent hours calling and verifying who I am. Which is an absolute challenge because mine and the other partys identifiers are crossed too! What is the point in you all monitoring my report, if you are the ones creating the problem? This is bound to have its long term repercussions on me and you if this isnt correct soon. Its not identity theft because she isnt using my social and the police wont allow me to file a report Without some proof. Im beyond livid! This is going to mess with my retirement in the future and no one cares when I talk to them. They think Im trying to get out of a bill.
Consumer complaint received 2024-02-19
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2020-09-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (IN)

On XX/XX/2020, CarMax presented me with a fraudulent contract that infringed upon my rights as consumer. 

On or about XX/XX/2020, I sent a Debt Validation Letter and a Cease & Desist Letter by certified mail. 

On or about XX/XX/2020, I received from CarMax, a letter and a copy of my contract as an answer to my request. 

To resolve issues, on or about XX/XX/XXXX & XXXX, XXXX, I sent a notarized Affidavit of Truth outlining their violations, another Cease & Desist detailing my remedy, copies of my exhibits, and an invoice for my  violations, again by certified mail. 

Please see attached documents.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (UT)

Chexsystems has various addresses I never lived and phone numbers I never used. In XXXX, XXXX and XXXX I have requested removal of this inaccurate information with no resolution. The only accurate address is my current address starting with XXXX XXXX and the only correct phone number ends in XXXX.
Consumer complaint received 2024-02-19
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: EQUIFAX, INC. (FL)

Department Of Revenue : Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on [ date of your original request ]. However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 
Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. 

This has hindered my ability to live a normal life.
Consumer complaint received 2021-02-23
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: NAVY FEDERAL CREDIT UNION (DC)

CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and XXXX 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX XXXX XXXX XXXX and navy federals is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.