davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

Hi, This is in regards to my mortgage with Home Point Financial Corporation. They are misapplying payments and making me at fault that I'm behind on payments. This has been going on since XX/XX/2017 and still not resolved. I have reached out to the company and spoke to multiple agents, managers and in house collections and in house foreclosure but still not sure what the issue is. Per my knowledge, we should be current on the loan and I'm not missing any payments. I have all the back up documents that I can share as the proof. I will appreciate it if someone can please reach out to me in regards to this matter and help me resolve the issue. 
I can be reached at XXXX. 

Thank you.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC (GA)

XXXX was the company I had a planned with from XXXX. Once my contract was up. I decided to go else where. Their phones was paid for and the ones that needed return was done so. They sent me to collections to a company named Enhanced Recovery on XX/XX/2021 Account number XXXX that's when they said I have to paid {$1100.00} this was never owed and should not be on my credit report.
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

Hi CAINE WEINER COMPANY ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (TX)

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} ; XXXX XXXX Balance {$150.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance {$430.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$580.00} ; XXXX XXXX XXXX Balance {$900.00} ; XXXX & XXXX XXXX Balance {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXXOpened XXXX XXXX, XXXX Balance {$260.00} XXXX XXXX XXXX XXXX XXXX  XXX Opened XXXX. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXXInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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

XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX & Inquiry from XXXX on XX/XX/2022 has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

HI SOUTHWEST CREDIT SYSTEM ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-12-15
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-07-04
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have recently sent a dispute over to Capital One Auto finance due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in XX/XX/XXXX. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from XX/XX/XXXX, and XX/XX/XXXX. I have recently printed off my credit report and it shows my payment history.

I wanted Capital One auto finance to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and Capital One Auto finance. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item.

This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with
letters stating to remove unverified accounts off my credit report if they cant prove it.

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding Capital  One Auto Finance.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX XXXX and XXXX XXXX I placed a call to XXXX and TransUnion Consumer Solutions. I informed them that it is inaccurate names, addresses, phone numbers, and employers information being wrongfully reported without my consent nor to my knowledge.
Consumer complaint received 2023-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is the account name, number and how much be allegedly charged off. 

CAPITAL ONE XXXX {$460.00} CAPITAL ONE reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' CAPITAL ONE is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by CAPITAL ONE to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX XXXX XXXX XXXX XXXX a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If CAPITAL ONE has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

CAPITAL ONE is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

THIS IS A SECOND NOTICE OF YOUR VIOLATION OF FEDERAL LAW DELETE ACCOUNT OR I WILL REPORT THIS FEDERAL VIOLATION TO ATTORNEY GENERAL OFFICE, XXXX, IRS AND MOVE FORWARD WITH LITIGATION
Consumer complaint received 2024-12-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc (IA)

I have sent several emails and voicemails. I did talk to someone he said I owe money XXXX because I was uninsured auto driver who got in a accident but could only provide a police report and claimed XXXX XXXX sent them a bill without ever contacting me. He could not verify what for. Said it could have been medical or car related. He was supposed to email me the documents within 20 minutes. That was XXXX days ago and they keep transferring me to voicemail even after I talk to someone.
Consumer complaint received 2024-09-10
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-10-21
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: JPMORGAN CHASE & CO. (OK)

I had a United Airlines charge to dispute with Chase back in XX/XX/2020. The Chase website said that I had to email " XXXX '' to dispute, due to the high volume of COVID-19 related disputes. Here is a copy of the email I sent that address : " On Monday XXXX XXXX I attempted to purchase a ticket on the United Airlines website with my XXXX XXXX XXXX XXXX, and received and Error message " XXXX can not process at this time, try again later '' or something like that. 

I thought my card choice may have been wrong so I attempted to purchase the same flight again with my Chase card : XXXX. I received the same error code. I checked my email a few seconds later and receipts for both tickets arrived in my inbox. 

I used the ticket from the original purchase with confirmation number : : XXXX, assuming that the error is obvious since I would not purchase two tickets for myself for the same flight path. 

At the United ticket counter the attendants verbally promised to give me a " corporate refund '' since it was the mistake of the United website. After I noticed that neither purchase refunded, I contacted the United refund department and explained the situation, they denied my refund and chance to appeal. 

Please help me dispute the charge for this Chase card purchase, confirmation number : XXXX. I would not have purchased this flight unless the United website told me to try again. 

Thank you, XXXX XXXX " END OF EMAIL At this point I have not received any response from Chase.
Consumer complaint received 2020-10-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (VA)

Being that we are all in the midst of a pandemic, I am experiencing financial hardship. I called this company and verbally set up payment arrangements to stop all automatic transactions because I was facing eviction. I made my payment as scheduled and the following day they went in my account after they agreed not to and when I called and spoke with them, they acted as if they knew nothing about the payment I made and the payment agreement. I asked to speak to a supervisor and was told I'd be contacted by a supervisor by the end of the business day. I live in Virginia and they are in Tennessee. I know my time zones and no one called me back. I don't appreciate them stealing from me because that's what they did. I understand I have a debt to pay and will pay it. All I ask is you stick to the agreement made between us. And they claim the payment can not be reversed which I know is a lie. Now I have to figure out where to get the money I need to stop my eviction.