davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (SD)

Credit card charged me with more than XXXX $ fraudulent transactions that don't belong to me they overdraft me and raised my minimum payments and keep adding interest to the whole available credit I contacted credit card company about it and they wanted me to do an affidavit which they supposed to send it to me in the mail and they been lying about sending it. Idk what to do they ruining my credit score went down 50 points because of this issue. They not doing anything to help me. Instead they keep adding charges to my account. This company does have a very high annual fee and they known for scamming people please I need help with this matter thanks. Fortiva credit card
Consumer complaint received 2019-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NH)

I have provided documents for months to support the requirements to process a loan modification with Freedom Mortgage. The loss mitigation package was accepted as complete XX/XX/2018 followed by requests for a pension award letter, there was no pension and I called to discuss the issue. I sent multiple notice of error requests and information requests to the specific notice request address without response. The loss mitigation package was denied because there was no pension support. I provided detailed information on what is covered by a 1099R and provided the retirement account distribution support. The employees refused to ever discuss the letter denying it was ever sent. The employees refused to provide any or all options available that would cure the default. The employee XXXX promised if I provide his requested forms that the loss mitigation would be processed without issue. The staff does not appear to understand the documents that they are responsible for processing.
Consumer complaint received 2022-12-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

- FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2021-04-04
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: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SG and Associates (TX)

I have already filed a previous complaint for this company to stop calling me or my family or my job. They are refusing to STOP. The are constantly calling and using abusive language to threaten me to pay this debt that I do not owe them. I have already mailed them a request for verification of the debt and they refuse to send me a copy of the balance or payment history, what the debt was and where it was from, instead they insist on calling and calling and calling. They are calling my family and my work giving false statements and representations that I am being sued and that my wages will be garnished.
Consumer complaint received 2019-10-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NC)

NavyFederal mortgage loan process. 

1. Communication - from the get go no clear communication was established to let me know what step of the loan I was at. Every time I emailed the Loan officer and/or processor, I have had to call the main NavyFCU number get routed to mortgage department then see if they can put me through and send in an " Urgent '' message to them and their superivsor. This is the only way I have gotten responses.

2. Document portal - The fustrating this is that hey have 3 different portals and seems to me like they do not share information with each other or they do not have access to these different portal documents. I submitted documents for my loan closing ( which has been extended 3 times ) in which they said they never received documents, but in fact were uploaded 3 weeks prior to the first closing date and I screenshot the documents.

3. Customer Service - Very incompetent loan processor. From the first extension did she not mention one part on where to upload the document if she couldnt see them. I also emailed them to the loan processors email directly and yet she kept asking me for the same documentation. Very fustrating.

My last time with Navy Federal period. I will be transferring all my assets and refinancing after a year to another bank. No more business from me. Period. Im still waiting on the fourth extension of the closing date on my loan to close on the house ...
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CAP1/SAKS failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CAP1/SAKS Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CAP1/SAKS Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2019-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MA)

On Friday XX/XX/XXXX at XXXX pm {$660.00} was withdrawn from my cashapp account. I woke up the next morning to find out the money was missing on my account. And was sent to another cashapp that is not mine. I did not authorize this transaction so I contacted cashapp support on the app, they said they would get back to me in a few hours and never did. I then tried to call and they keep saying they cant verify the information on my account. When I try to ask why they just hung up in my face. I feel so hopeless I work hard for my money. I cant believe they would play with my money like that.
Consumer complaint received 2019-12-12
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. (IL)

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus (XXXX, XXXX, & Equifax). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 (a) 1 (A) you are required by federal law to verify with the physical original signed contract.  The credit bureaus state that they don’t have proof to provide me with & I am demanding these accounts be removed XXXX   XXXX XXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXX, & XXXX/XXXX XXXXXXXXXXXXX
Consumer complaint received 2019-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home loans, inc., is reporting to all three credit reporting agencies 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX, that I have ( 2 ) two ( 30 ) thirty day lates. This is simply not true. I pay my mortgage on line on their site within the ( 30 ) thirty day billing cycle each month. The first ( 30 ) thirty day late was reported in XX/XX/2019, when I made my payment on XX/XX/2019 and Caliber Home Loans chose to post my payment on XX/XX/2019 making it appear as though I was more than ( 30 ) thirty days late. The second time I paid my mortgage on XX/XX/2019 and Caliber Home Loans chose to post my payment on XX/XX/2019 which is still within the ( 30 ) thirty day  billing cycle. Caliber Home Loans is making a pattern of this behavior intentionally reporting erroneous information to the credit reporting agencies, damaging my credit and ability to refinance my home with Caliber or any other lender. I have written to the California state attorney general about the first incident in XX/XX/2019 and Im going to write another letter concerning this second incident in XX/XX/2019. This practice and behavior of reporting erroneous information to credit reporting agencies is damaging to me and it inhibits me from moving forward financially.
Consumer complaint received 2022-12-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2019-12-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Relin, Goldstein & Crane, LLP (NY)

The Car was repossessed by XXXX XXXX after an accident and major repairs were made. Payment was made from same account that payments had been made previously. Reason for refusal of payment was that I was not an authorized person on the account. I was and still am an authorized person on this account. Before I could resolve this issue with the company the car was repossessed, and ransacked, items were stolen, by the tow company. The company demanded past payment which they initially refused, late charges, tow charges, storage fees, and up coming payment. Well over 1000 dollars which I did not have. Subsequent requests for information about the vehicle, such as what balances were how much the vehicle was sold for ect were never responded to. Wage garnishment occurred and and although I had paid on the car downpayment plus trade in and payments for 5 of 6 months I had the car were never deducted off of final balance. Again no further information was given to me on how this amount was arrived at. A total garnishment of over 9,600 $ took place via the wage garnishment. That was paid off. They are now asking for an additional garnishment for over {$5000.00}. Interest apparently was not collected via the garnishment as well I am told interest will continue to accrue and again not be collected from this amount. I was told unless I come up with a full payment I will continue to pay on this vehicle indefinitely. XXXX XXXX never sells a car for less that {$9900.00}. So they got my 10,000 plus dollars likely re sold the car for {$10000.00} and are now attempting to perpetually collect money for a car I have not had for 8 plus years. My bank no longer has this documentation nor does XXXX XXXX who payments were made through. The mechanic who repaired the car is no longer in business. My insurence carrier at the time was XXXX and they are researching for information in regards to this vehicle since I carried collision on the car and the paid the majority of the repairs. The account has been turned over to a lawyer Relin Goldstein and Crane I thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-09-27
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: ENCORE CAPITAL GROUP INC. (SC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2020-11-19
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Submitted a letter to Transunion in XX/XX/2022, stating that : XXXX XXXX XXXX is reporting untrue information on my credit report. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations. 

I got Investigations Results that did not address or fix the issue that I sent to them. 

I called them on XXXX and spoke to XXXX then XXXX XXXX who hung up on me once I told him what happened. I called back and spoke to XXXX who told me If I dont agree then I can do a complaint.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC. (VA)

MIDLAND FUNDING WAS PAID IN FULL ON XX/XX/20 THEY AGREED TO REMOVE IT FROM CREDIT BUREAUS AND NOTIFY THE COURT COURT CASE # XXXX WITH A LETTER OF SATISFACTION SINCE THEY GOT A GARNISHMENT. THEY WERE TO TO DO WITHIN 30 DAYS OF THE DEBT BEING PAID. THEY HAVE NOT NOTIFIED THE COURTS NOR REMOVED FROM XXXX XXXX OR XXXX! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX THEY NEED TO SEND THE COURTS LETTER OF SATISFACTION AND ALSO REMOVE FROM CREDIT AGENCIES AS PROMISED
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (GA)

I received an inquiry on XX/XX/2022 from { XXXX } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX I sent a dispute letter to Comenity Bank, Victoria Secret and XXXX credit bureau regarding a collection/charge-off that was opened in XXXX. XXXX is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report. It is well over 30 days again and the account still has hasn't been updated or removed.
Consumer complaint received 2021-07-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (TX)

My Mortgage servicer reported my mortgage a rolling 30 days late while I was under a forbearance during Covid. Under the " CARES ACT '' we requested a forbearance since my work was interrupted my Mortgage lender explained to me once I was at least 30 days late the forbearance would take place and I would be under the support of the CARES ACT. They stated if I was not delinquent they would not offer the program. Once I became in default I would have 12 months of protection under the CARES ACT. 

Within 45 days I was back to work, I felt I had not need to accumulate unpaid interest and I continued my payments I did stay 30 days late eventually up but I thought best to continue making my best efforts to make a payment each month in which I did. 

I have recently monitored my credit and I have found that my credit was rated negatively while I was under the CARES ACT. I have tried on more than one occasion to reach out to the Lender with little or no response. The entire time I thought I was doing good by at least making a payment each month and it seems I did nothing to help my situation. I also have found out that I did not need to be in default to get protection the Lender mislead me completely.