davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (VA)

On XX/XX/XXXX I sent an email to the support department of moneylion requesting that I wanted to revoke my ach authorization for my account. On XX/XX/XXXX I received an email stating that the authorization for my loan amount would be revoked but my authorization for my membership would not be until I paid the loan off. I repeatedly asked them to revoke the authorization and each email they declined. I then called customer service and spoke to someone there and the rep there told me that they had taken the authorization off the loan and the membership. I then saw on my bank account a debit for the amount. I called moneylion back and spoke to a gentleman name XXXX and he informed me that they did not take it off for the membership agreement. I explained to him that my name was in the process of being taken off that bank account and that I was no longer going to be on that account and what they were doing was illegal and that they could not deny my request. He said that they could. That no law could stop them. I told him that its against the law to debit someones account for someone elses bills. I told him that I was in the process of obtaining another bank account and that I was wanting to pay my amount through a prepaid card. He told me that they don't allow that.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I recently made a payment of {$600.00} and that amount was from all the past due payments that I have previously missed. I eventually got caught up on all my XXXX XXXX payments and stopped missing payments that were due. I am now caught up on all my XXXX XXXX. I would appreciate if those late payments that are on my credit report could get removed, having those late payments on my credit report is preventing me from boosting my credit score.

In accordance with 15 USC 1666 ( b )
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I previously filed a complaint stating that I did not receive validation of the debt that this company claim I owe them. I never signed a contract with them and they have not given me proper validation. From the previous complaint they agreed to cease and desist collection activity but has now added this none validated deb to my credit report.
Consumer complaint received 2018-05-11
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. (NY)

I AM A VICTIM OF IDENTITY THEFT HAVE SUBMITTED A POLICE REPORT, ALONG WITH MY ID, THE FCRA 605B REPORT, ADDRESS ID, CIRCLING THE FRAUDULENT ITEMS ON MY CREDIT REPORT ALONG WITH THE LATES CAUSED BY THOSE FRAUDULENT ITEMS, AND THE INQUIRIES ON MY REPORT THAT ARE FRAUDULENT TO BOTH XXXX AND EXPERIAN CREDIT BUREAUS ABOUT 5 TO 6 TIMES AND BOTH CREDIT BUREAUS REFUSED TO REMOVE CIRCLED ITEMS THAT ARE FRAUDULENT AS THE FCRA 605B STATES HAS TO BE REMOVED IN 4 BUSINESS DAYS BY LAW. FURTHERMORE AS I SAID I SENT THEM ALL ITEMS NEEDED INCLUDING MY CREDIT REPORT AND ABOVE ITEMS AS DIRECTED BY THE BUREAUS AND THEN SEND BACK FRIVIOUSLY LETTERS THAT THEY NEED MY ID AND SOCIAL SECURITY CARD ( COPY ) AGAIN WHEN I SENT IT THE FIRST TIME AND EVERY TIME. THEY HAVE COST ME CREDIT AND LOANS BY THERE INTENTIONAL DELAYS AND I AM GOING TO RETAIN A LAWYER AND SUE THEM IMMEDIATELY IF MY CREDIT REPORT ISNT CORRECTED NOW ...
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

It is absurd this law firm is permitted to function. They do and say whatever they want and the court just rubber stamps whatever they file. For one, they made publicly available every single credit card purchase I ever made. My case is not the only case this has occurred in. I know, because I went to the county court house and obtained credit card statements for these individuals and only the account number of a charged off credit card was redacted. This seems like a much larger violation of my privacy than the XXXX XXXX scandal. If this isnt illegal, then Congress seriously dropped the ball because the banking industry is regulated! Secondly, the fees on multiple writs they filed dont add up. The first writ filed XX/XX/XXXX costs are {$80.00} more than the affidavit of costs. Why when the fee for filing a writ is {$45.00}? The second writ lists costs are {$10.00} more than the first. Again, why when the filing fee for a writ is {$45.00}. On the third writ costs are {$150.00} more than the first writ. Again, why? It baffles me the court approves these writs when they do not have documentation to support the amounts listed. Finally, or at least the final complaint I am putting here, is they garnished {$280.00} from me and I have not been able to get confirmation this has been applied to my debt. Quite the opposite, I received a letter from Capital One claiming the balance is {$3200.00} only {$80.00} less than the writ served on my employer. I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX requesting verification of the balance and they have not responded.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (TX)

On XX/XX/2018. I pulled my XXXX credit report showing my Volkswagen Credit account for my XXXX XXXX XXXX still seems to show open on my XXXX Credit Report. A comment was placed on the account that reads " account payments managed by a financial counseling program ''. This is a fraudulent comment that has been placed on my XXXX report as no payments are being managed by a counseling agency. On my XXXX  & XXXX report, the account shows closed & paid off. I have been trying to resolve this with XXXX for over 2 years, and they always come back saying Volkswagen has verified the account has still open. XXXX continues to violate the FCRA and keep this account open. Volkswagen Credit has not verified this account correctly.
Consumer complaint received 2024-10-28
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. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Was called from XXXX XXXX XXXX  about my loan being sold. Told that in XXXX i had 30 days to contact them back and everything would be in writing. Never gave me information about my new loan ... how to pay. I never received a account number the one i had was false and the number on the letter was the wrong number. Where to pay etc. then I got a morning wake up to a repo man saying I was Behind in payment. Also they didnt have my correct address or telephone number. So although they said they were calling me they were not. And they left no voicemails. Called to rectify things, not a lot of information was given. No time table, no payment stub etc. no account number. I still Dont know where or how to pay the balance.
Consumer complaint received 2018-04-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (IL)

My mortgage is with Guaranteed Rate and I been trying to do a loan mitigation/modification as I am in the middle of a divorce and I don't want to lose the house. We have tried for 4-5 months now to get a response from the bank and they are continuing to give me the run around and not provide any assistance. They continue to find something new to delay the process with or give us the run around for weeks. 
We need help. I am currently paying {$3000.00} dollars a month, I have loss some contracts and my income has dwindle significantly. This has caused my credit to fall, my wife inability to do the same because of their run around. We feel discriminated against to the way they have handled the account. They did not even put my wife in the mortgage breaking the law of home bound as my wife as a right to claim the property and a place to live. This has been going on since XX/XX/ as far as I can recall when we started asking for help and here we are in XXXX and still no response. Not even a guidance from them. All they keep sending is late payment notices but nothing in relation to loan mitigation.
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

This company has called repeatedly, indicating we have a debt with XXXX. They insist on asking for date of birth and social security number and advise calls are being recorded. I state to them we have no debt to that company, and if so, send the support to us so we can review it.
Consumer complaint received 2018-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

Debt placed on my credit report that was never verified or validated. I don't recall receiving any information through mail or by phone of this alleged debt. This debt has lowered my credit score causing me to be declined for new lines of credit, and having to pay higher interest when approved. Please remove this debt, i am not the owner.
Consumer complaint received 2018-05-10
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. (CA)

I have submitted four requests to Experian to correct the name that should be listed on my credit report. I have sent them a copy of my driver license and a copy of my passport with the correct name. They will not update my name on my credit report. The name should be XXXX XXXX XXXX.
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-04-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

The company I.Q. Data had a male representative speak to me with an aggressive and bullying manner. This caller from this company refused to accept that I was not the person he was looking forward and refused to hang the phone up and also refused to head my request that they stop calling this number. I had to speak to his manager about they verbal abuse received by this person.
Consumer complaint received 2018-05-11
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: LJ Ross Associates (MI)

I have disputed the error of L.J. Ross three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX hospital. I have contacted XXXX hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$690.00}. I understand there is a balance owed on this account but I currently working with collection agency attempting to settle debt. This account has been charged off and would like it removed.
Consumer complaint received 2018-05-11
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: FIRST HOME MORTGAGE CORPORATION (MD)

My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.
Consumer complaint received 2018-04-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

My Ch XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and I'm not disputing. Just please asking for the information to be early exclusion.
Consumer complaint received 2018-05-11
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. (IL)

A collection account that says it was opened : XX/XX/2017 - XXXX XXXX XXXX - original creditor name : XXXX XXXX XXXX XXXX {$5000.00} This account was not opened by me in XX/XX/2017. Seems as if when my social was compromised, someone must have created this account. 
This should not be on my credit report. 
This does not belong to me.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On my transunion account it is showing XXXX XXXX XXXX as a derogatory mark. That account should have been closed. It is still reporting as opened on my credit report.
Consumer complaint received 2018-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western-Shamrock Corporation (SC)

When I began working on my credit in XXXX I notice a loan on my XXXX   report from Western Shamrock Corp staring in the amount of {$250.00}. It stated that the account was CLOSED as ofXX/XX/XXXX. When I attempted to receive information regarding the debt the company still has not validate any information. The company is reporting a address of XXXX XXXX XXXX XXXX SC XXXX. This address was removed from my XXXX report because it was not correct and I never resided at this located. As of today XXXX I still have not received validation on this loan. On today however I received notification from XXXX that Wedtern Shamrock reported a closed account to my report in the amount of {$1100.00}!!!!! After looking over the information it is reporting the same closed date of XX/XX/XXXX. My frustration is coming from two places, this debt is not mines and even if it was Im sure its against the law to be wrong different information to different credit bureaus. To confirm any changes I recheck my XXXX account t and it was updated on today as well XX/XX/XXXXstill reporting {$250.00} however today this company has just started reporting to XXXX  as with the amount of {$1100.00}. I would like for this information to be removed ASAP because this company can not validated this debt or confirm it belong to me as well as reporting different information to different credit bureaus. For this company to report to both credit bureaus that this account was closed sinceXX/XX/XXXX no extra fees should be added after that closed date. Please ensure that this information is deleted and reported to all three credit bureaus as inaccurate and removed from all credit reports.
Consumer complaint received 2018-03-22
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 (NC)

This case revolves around capital one credit card mishandling of my file. Last year I got into a business dealing with a merchant. That merchant did not fulfill their side of the bargain, which prompted me to inquire about my money back. That transaction was paid with my Capital one Credit card. I let Capital one know of the issue by originally filing a fraud case. One of Capital One 's fraud XXXX reaches out to me and advised me to deposit a check sent by the merchant many weeks after the altercation. I kept a check sent to me by the merchant with no intentions of cashing as I had already had the charges reversed by Capital One.Upon the advice of the Capital one representative, I go cash the check and accept the resolution offered by the representative. However, the check was stopped by the merchant and left me with a balance that I am responsible for. I called Capital One to let them know and they said they would dispute it if a response letter was written to the letter they intended on sending me. Once I received the letter, I quickly responded with a letter and supporting evidence. Capital One call me back weeks after receiving my application on XX/XX/2018 to tell me my claim was denied because I didn't get documents to them. Moreover, they won't take responsibility for the counsel given by their representative to deposit the check which led to other fees accruing because of the stop Pay. I spoke with Representative ( # XXXX ) and he stressed to me that they were out of time to retrieve the funds and that I should have sent them everything. My response was, this case has been on the table since last year, I have sent them everything that they require. The document that they are requesting can be supported by the documents that I submitted. Moreover, I was never informed by XXXX that they needed more documentation until today when I found out it was declined. ( XX/XX/2018 ) Capital One is maliciously trying to shift the risk from itself to the cardholder by not indemnifying the cardholder and not reviewing supporting documents in a timely fashion
Consumer complaint received 2018-04-29
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. (GA)

My identity been compromised. 
A mortgage was taken out in my name. 
Also there is some listing of a bankruptcy filing. 
I have never filed any bankruptcy of any kind ... period. 
The credit bureaus have removed the fraudulent mortgage already. 
The credit reporting agencies have had me confused with a XXXX XXXX out of Washington State or somewhere. 
There are accounts on my credit profile that do not belong to me. 
I feel I have followed the law in obtaining a police report and filing the proscribed affidavit from the federal trade commission.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

once again Equifax reported reporting an account as current all last year and then this year they are reporting it late for a whole year. My XXXX XXXX account was reported as current all year in 2017 and now they are reporting it as late the whole year.
Consumer complaint received 2018-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

I had signed up for college at XXXX. Around XXXX. I realised that i didnt have the time or money to be able to proceed so within a couple of weeks i opted out and dropped my enrollment. I had no knowledge of any loan at that point due to the information not being there yet. i also had not started classes at all i wasnt fully enrolled at that point. Years since then ive had tax returns/paychecks garnished. ive called and tried to make them stop. They did. it remained on my credit report Until XX/XX/XXXX when they took my entire refund of {$1800.00}. Im not impressed at all i never had a loan to begin with. But navient seems to say otherwise. I would like my money back and this " loan removed from my credit. They have not notified me of any withholding until after my refund had been garnished.
Consumer complaint received 2018-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (WA)

I applied for a loan with American First Finance on XX/XX/2018. They asked for my bank account information, made a small withdrawal to verify my account, and offered me a line of credit. 

They took a {$50.00} payment from me at time of purchase then took auto payments that were posted to my account. When I saw that they took them from an account number that was two digits different than mine, I called them and notified them. They asked me to make a payment with a card, which I did, so that if the payments came back the account wouldn't show as late. 

They began calling me every Friday and Saturday asking for payment. I made three double payments the past three weeks in a row. I was told that the payments came  back from the wrong account but were covered by my card payment. 

My payment is supposed to be XXXX every Saturday ( I was supposed to be on twice a month payments but that never happened ). I get a call every Friday and Saturday and on both days, they take a payment out from my card ending in XXXX. 

The online statement doesn't show the payments I make online, only those auto-debited from my account or on auto pay with my card. 

When asking for a statement of all payments, they said that due a technical issues, they can't show online payments, only draft or card payments. 

Then the supervisor today, XXXX XXXX, on a recorded line, said she apologized and offered to give me a " free '' payment - I refused the payment as I have zero trust of these people and don't want them to put another late payment on my credit report.

They put a late payment on my credit report two weeks ago, despite receiving payment on time, which I've asked to be removed. 

This is the worst finance company I've ever dealt with. 

They have access to three of my debit cards, my bank account, and despite auto pays and payments made online, still charge me for two payments each week and still call me constantly.