davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (VA)

I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and First National Collection Bureau Inc keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.
Consumer complaint received 2017-01-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (CT)

I received a certified letter from Key Bank XX/XX/2016 informing me that my account would be closed. I called the number provided, XXXX, and was told that my account indeed would be closed and they chose not to tell me the reason why. For over thirty years I have used this bank through its different iterations, from XXXX Bank, through First Niagara, and most recently Key Bank without any problems. A similar event ( the threat to close the account ) occurred in the change from First Niagara to Key, however seemingly it was resolved by my branch bank which is now closed. I do n't know why Key Bank would not want my account since I have not changed my banking habits for over thirty years. The implication is that I have abrogated the rules of banking. If I have done something illegal, I should at least be told and given the chance to defend myself.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I applied for a mortgage refinance through Santander Bank Back in XXXX of 2016. I have just recently been denied. Reason excessive obligations in relations to income. However in speaking to the agent they XXXX would n't use income from my car allowance or commissions I get. The agent did n't understand wy, huis boss did n't understand why. I just do n't want anyone else to have to go through what I went through. it was a waste of time and money. They did n't even look at my tax return. It sounds to me like thye just wanted to see paystubs, how much someone owes if it meets the 50 % they will do the loan. They do n't want to do extra work. not sure why they are able to do that. it cost me a lot of time and money and effort. They sould not be allowed to gt away with that!!
Consumer complaint received 2017-01-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

My husband was in XXXX XX/XX/2016. I paid XX/XX/XXXX and XX/XX/XXXX mortgage payments. XX/XX/XXXX i called Wells Fargo and asked if i could defer 6 payments to the end of the loan or perhaps pay only the principal for 6 months while my husband was in the hospital. I was told that they do n't do any of that and they could n't help me. I called 4 times just in the month of XXXX, finally i got a customer service person that told me they have an outside company that works with them on all of that and i was forwarded. XXXX XXXX was the persons name i was put into contact with.Unlike what the customer service person told me he DID work for Wells Fargo. He asked me to give him information which i did, it took several weeks by this time it was XXXX and i had not made a payment since XX/XX/XXXX. After submitting paperwork i was told in XX/XX/XXXX they would not help us and that all i could do is pay up the account or be foreclosed on. Since the XXXX of XXXX i have been trying to pay the account up they will not take the payment. Customer service at the XXXX number refused. Location bank Tellers refuse. with no reason why, i am just told they can not help me and there is nothing they can do for me. Finally after 3 attemps on the phone and 4 attempts in person i got a banker at the XXXX XXXX Wells fargo to give me a reason. XXXX XXXX XXXX has a block on the account and no payments can be made. I have contacted him several times now and am still waiting on contact back. Seems they would rather foreclose then to allow a person to pay for their mortgage. I thought refusing payment was illegal?
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

This company ARS is continuing to add and take away a debt that does n't belong to me. I received 3 letters from them on XX/XX/2016 saying they were removing these accounts. These accounts are not even mine. They just sent me another so-called validation of the debt and took off the name of the original person that owes it. This is damaging my credit and preventing me from being able to obtain credit with my credit union.
Consumer complaint received 2017-01-13
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: Byrider Franchising, LLC (GA)

Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (HI)

The attached document account with XXXX XXXX XXXX XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

I have submitted this complaint on my behalf. I initially obtained a " loan rate lock '' in XXXX 2016 which was to expire in XXXX 2016. The loan did no close, even after extensions of the rate lock and the closing hard scheduled by the XXXX ( Sebonic Financial, Cardinal Financial and XXXX entity ( ies ) ). The extensions where necessary because the " XXXX XXXX XXXX '' made late requests for information which had either already been supplied, or which was of no substantive significance to the loan or completion of closing. I believe these that these belated requests and ultimate failure to close the loan were intentional, to allow for the imposition of additional fees and/or a higher rate of interest.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been a victim of the Transunion computer glitch that they reinserted inquiries. I tried to call them to remove the reinserted inquiries on the phone but the representative was n't interested in helping me on this. 

the following inquires i think were reinserted XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016
Consumer complaint received 2023-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

Experian is violating my rights and will not process my dispute. Experian is willfully negligent. They emailed me to tell me that will not process my dispute. All identification was sent properly. These erroneous items are defaming my character and hinder my family
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (HI)

The attached document account with DCS/Division of Child SupportXXXX , is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this DCS/Division of Child Support account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report . The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (TN)

Originally I got behind after my XXXX XXXX death and I caught the loan up around or about XXXX. In XXXX I asked for a loan modification. They sent me a loan modification packet, I filled it out and sent it in and they came back and said it was not complete, but as it turned out they did not send me a complete packet. I completed the packet and sent it to them on XX/XX/XXXX. We have the receipt for the fax but could not get it to download. I had XXXX on or about XX/XX/XXXX and told the law firm handling the foreclosure, they told me they would have to talk with M & T bank and get back with me, but they never did. Then they informed me that there was not enough time for the modification as they had scheduled the foreclosure sale for XX/XX/XXXX. I then asked for a payoff so that I could sell the house and not go thru foreclosure as I had a buyer and I had quite a bit of equity, however, they kept giving me to different people and never would give me a payoff until it was too late to close on my house deal and it went to the foreclosure sale. However, it was not purchased at the sale and I reached out again and told them I had a buyer and could close, but again they just kept sending me back and forth to different people and then said there was nothing they could do. A friend of mine actually called the head of mortgages at M & T Bank, but she would not help either.
Consumer complaint received 2017-02-01
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CASH AMERICA INTERNATIONAL, INC. (TN)

Never applied for a loan with XXXX nor XXXX ( XXXX ). Then I receive a email case no saying there suing me for money I have n't receive and applied for. Email name would states XXXXXXXXXXXX I never merge iced any calls or vociemails stating if i applied or there trying to reach me. Other company XXXX someone reached out and said if I ever applied online they steal customers information there 's no way of tracking.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (GA)

On XXXX XXXX I was sent a notice of collection from resident collect, Inc. that I owed XXXX from XXXX which I moved out from on XXXX XXXX 2016. A few days prior to this notice, I received several move out statements from XXXX XXXX with misleading charges. On XXXX form I 'm being charged a higher rate for the replacement of carpet and vinyl flooring. While on a XXXX form it list charges to replace the carpet and vinyl flooring at a combined price for much less. I spoke with XXXX concerning these charges and they say it amounts to the same charges which it does not. I was also charges for the replacement of vinyl for the entire flooring in the kitchen although I only cause minor scratches to a portion of the flooring. I was told that the entire flooring must be replaced. Another section of the vinyl flooring was damaged by water due to the negligence of the apartment maintence by not cleaning out the drains for the washer machine connections. Several maitnence calls were placed to correct the drainage issue as well. In total, I have three different total for the same damage and requested a dispute of these charges. Instead, resident collect reported this incorrect debt to the XXXX credit reporting agencies without acknowledging my dispute.
Consumer complaint received 2023-01-11
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Firstsource Business Process Services, LLC (TX)

The Debt Collector is in communication to collect debt when there is no contract that I signed for them to access my information or the company to collect any debt at all. I need the company to stop all communication efforts as they are in violation of my consumer rights. I need the company to XXXX under penalty of perjury you were present during the alleged debt.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights .

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 2016-06-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2023-01-11
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: AutoNation Enterprises Incorporated (CA)

I have a loan with CIG FINANCIAL. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and XXXX Credit Bureaus and the CIG FINANCIAL but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Someone stole my personal information and identity and opened up a credit card account with Capital One Bank. The account is unauthorized and fraudulent and do not belong to me. Further, there are XXXX unauthorized and fraudulent inquiries from Capital One Bank listed on my XXXX XXXX, XXXX and XXXX credit report. I have been receiving harassing and threatening telephone calls and XXXX threats from Capital One Bank representatives in regards to the account and debt owed on the account. The account or debt do not belong to me.