davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-05-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

On XXXX/XXXX/2015 I paid off account # XXXX in full in the amount of {$29000.00} to the collection agency " The Law Office Of XXXX XXXX XXXX '' who is the debt collector for the XXXX Higher Education Assistance Authority ( proof attached ) On XXXX/XXXX/2015 I initiated disputes with XXXX, XXXX, and XXXX to update their records and show that the loan had been closed out. On XXXX/XXXX/2015 All XXXX bureaus incorrectly returned a status of " reporting correctly '' after the investigation despite the fact that the loan had been paid off in full. I then used the CFPB to try to get them to correct the error, by launching a " executive investigation '' rather than the typical investigation. XXXX corrected the information upon receiving the documentation provided in this report. However both XXXX and XXXX completed the investigation stating that the account was being reported correctly, despite having official documentation from the creditor. The reports from both XXXX and XXXX state specifically that the " Creditor Claims The Information Is Correct '' which indicates that it is the original creditor that is providing the incorrect information to the bureaus. I am attempting to use the CFPB to contact XXXX XXXX to have HESAA correct the information being reported to the bureaus within 30 days as required under the FCRA. I however am officially stating before XXXX Hesaa launches their investigation into the matter that I do not authorize in any shape or form, a " hard pull '' of my credit records from XXXX, XXXX, or XXXX. Being that the loan has been paid off in full at this point and has been closed, the Promissory note has been fulfilled and is no longer active which was what XXXX stated gave Hesaa the legal authority to " hard pull '' my credit record last time. In addition since the account has been paid off, it is no longer an " active account of the consumer ''. If XXXX and the XXXX HESAA choose to initiate a hard pull on my credit record, let it be known that it is fully against my consent, and that I consider it to be a direct violation of the rights provided to me under the Fair Credit Reporting Act. I do however authorize XXXX and HESAA to conduct a " soft pull '' with the credit agencies to verify the information that is being reported to them. 
In addition to the credit reporting, the account also still appears to be legally listed as " in default '' with the State Of New Jersey despite the fact that the loan and all applicable fees have been paid in full at this point in time. I am requesting that XXXX Hesaa submit a request to the court to " vacate default judgement '' so that my record is XXXX again clear of any legal holds placed by the state in the past. If the state chooses not to comply, I will be pressing suit for damages caused by reporting false information to the credit reporting bureaus which equals a potential total of {$1000.00} for violating the FCRA.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I previously had a General Motors credit card. I allowed the card to lapse about three years ago. I cut up the cards and there has been no activity on the card for over three years. 

In XXXX of 2015 the credit card management company, Capital One allowed a vendor, XXXX, to make a charge against this card. 
I had previously allowed my membership to XXXX to expire. I disputed the charge made by XXXX in XXXX of 2015. 

Since that time I have seen the original charge along with overdue charge to continue to grow. I complained a second time in XXXX of 2015. As of yet this has not been resolved. 

This account was closed. 
The vendor had no right to make a charge against me. 
The vendor had no right to make a charge against a closed card.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MD)

I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information.
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

While looking into applying for a mortgage, I found I have a default civil judgement listed on my Experian credit report. The judgement was obtained fraudulently as I was never served and never had a chance to defend myself in court.Initially I disputed the record as fraudulent, but experian only confirmed the records existence. I then hired a law firm, XXXX XXXX XXXX, to fight this and they set up a settlement with the firm that sued me, XXXX ( NYS index # XXXX ). The settlement agreement stipulated the judgement being vacated with my agreement to pay a {$1300.00} settlement, in monthly {$100.00} payments until paid in full. The case is now closed, the judgement has been vacated for over one month, possibly two months, yet my latest Experian dispute over the matter did not remove the record from my report. Upon receipt of the dispute results yesterday, ( filed XXXX XXXX, 2015 ), I attempted to dispute again online with Experian and was told that I would have to mail my supporting documents when i tried to upload them electronically. Experian has failed to properly investigate my case and is keeping information on my credit report that will continue to prevent my from buying a house for my family.
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All of a sudden account appeared on my credit report on TransUnion from XXXX 2008. This account was part of the identity theft case that I was a victim of. Now they reported that account back on my credit report as closed, but shows that it has 3 late payments. I made a dispute with credit bureau but they do n't want to remove this off my credit. 

The account is XXXX # XXXX
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (TN)

GREETINGS FROM, XXXX XXXX XXXX YOURS : XXXXNEITHER EQUIFAX , XXXX, XXXX. 
# 1 EQUIFAX IN XX/XX/XXXX WANTED A COPY OF DL, XXXX EMPLOYER AND A POF PAPER REGARDING CASE # XXXX {$24000.00} PLAINTIFF XXXX XXXX XXXX. ON XX/XX/XXXX THIS WAS MADE AT THE XXXX COUNTY XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. AND REGARDING ALL XXXX CREDIT REPORT COMPANIES, THEIR WAS A TIME WHEN XXXX XXXX CREDIT CARDS IN XXXX, XXXX, HELPED THEMSELVES TO REQUEST EQUIFAX XX/XX/XXXX, AND THANKS TO YOUR HELP, THE FTC SENT A LETTER TO THEIR OFFICE IN XXXX, XXXX AND THE CREDIT REPORT COMPANIES HAVE NOT REMOVED IT FROM MY CREDIT REPORTS, EQUIFAX , XXXX AND XXXX, THIS WAS A MATTER DUE TO SSID THEFT. NEITHER OF THE XXXX CREDIT REPORTS REMOVE WHAT THEY WERE TO REMOVE FROM MY CREDIT REPORTS. 
RESPECTFULLY, XXXX XXXX XXXX OFFICIAL SS NAMEHAPPY XXXX TO YOU!
Consumer complaint received 2015-08-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Convergent Resources, Inc. (IN)

Correspondence regarding case numbers : XXXX and XXXX. I received a letter in the mail regarding I debt I know nothing about. It stated the statute of limitation expired in my state, therefore, they would not proceed with legal action. However, I recieved a robo call stating that my case was referred to XXXX for further legal action on XXXX XXXX, 2015.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX has recently changed an account on my credit report from a closed status to and open status, this account has been closed and was assigned to a collection agency by the name of XXXX I finally have had my credit report free of this collection and account now its reflecting as an open collection account and should be removed.
Consumer complaint received 2015-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MD)

This complaint concerns both harassment and misrepresentation. The Midland Credit Management collection agency has called me repeatedly about a debt that is not mine, although they did not identify themselves as a debt agency. Each time they called, they said that they wanted to speak with the person who the debt belongs to about a 'private business matter. ' The individual in question is an independent contractor, so it is possible that a XXXX party would try to reach her about a legitimate business matter. 

However, after the first time they said that, I suspected that it was not, in fact, a business matter. It sounded too scripted. Further, I realized that they had not identified themselves. At that point I suspected that they might be a collections agency. To better understand why I was receiving these calls, I asked the person who had called if they represented a collections agency. Not only did they not identify themselves, but they also lied to me about this and stated that they were not. I refused to give them any information and researched the number they called me on online, which is when my suspicions were confirmed. If I had engaged with them in a conversation believing that they have a business relationship with the debtor, they could have extracted far more information than they are legally allowed to collect. When I called them back and asked to speak to a supervisor, they initially refused to let me. I told them it was a private matter, but still they would n't, so finally I resorted to saying, at this point rather emotionally, that I had concerns about the professionalism of an employee. They then transferred me, but all I got was a voicemail box.
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX, 2015, I requested, and received, a free credit report from TransUnion on the basis of adverse action ( denial of credit ) that was taken against me. 

Today, on XXXX XXXX, 2015, I received notification of another denial of credit based on a TransUnion credit report, so I requested another free credit report from TransUnion on the basis of this denial. However, TransUnion refused to provide a new report, stating " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional report at this time. '' and attempting to sell me a credit report. 

The Fair Credit Reporting Act requires TransUnion to provide a free credit report upon request if I have had adverse action taken against me based on a credit report provided by them. It does not place any restrictions on the frequency of such requests -- a new adverse action can be the basis for a new request, no matter when the last request was made.
Consumer complaint received 2015-12-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have never been able to get my free annual credit report from TransUnion, but i was able to get annual free credit report of XXXX and XXXX until two or three years ago. I complained then, but cant remember what the response was.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My insurance is XXXX. They have a doctor on my credit report which was a referer from the military. 
You can not just go to a doctor they put in the wrong code at the doctors office. I have contact them for this matter. However it is now on my credit report as unpaid.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (MA)

Over the past six months I have been experiencing issues with my PayPal Extras MasterCard. XXXX XXXX is the lender on the card, and PayPal runs the e-platform on their website where I am supposed to be able to view my PayPal XXXX XXXX account. The problem seems to be an issue between XXXX Bank and PayPal, but both companies are refusing to contact each other and work together to solve the problem. At this point there is nothing I can do to fix the problem because the issue is that PayPal has my account listed as cancelled, and XXXX XXXX has an account open for me but I have no way to view the information online. Other than paying my bill, all other activity must be done online, which includes redeeming rewards points that I have now lost over XXXX because of points expiring, however over the past 6 months I was unable to use them due to the errors of the XXXX companies attached to the account. At this point I have called twice to three times a month since XX/XX/XXXX, and I spent 3 hours on the phone today with both companies until I was redirected to the initial automated answering service you get when one calls customer service. 

At this point I do not know what to do, or if I should even be paying my bill when one company attached to the card, which is the company directly associated with the card, tells me that the account is no longer active. Yet, I still can use the card, can not access my points, and still pay a bill every month.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I had a credit balance on my credit card of {$330.00}, and I made a purchase of {$320.00}. Unknown to me at the time of the purchase, the credit card had just issued me a check for {$330.00} and I no longer had a credit balance. It was months later when I figured out I had an overdue balance on the account instead of a credit balance. When I knew this I called the credit card, and we figured out what happened. I made the payment that day of {$320.00} and the credit card was supposed to credit me the fees due to misunderstanding/communication. Now two months later they are still charging me late fees and interest on the fees. They also reported to the credit agency my lack of payment ... even though I did not know I did not have a credit balance. They have been very difficult to deal with. I would like the remainder of fees paid back to me and anything issued to credit agencies removed.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AARON DELGADO AND ASSOCIATES INC (FL)

I withdrew from classes at XXXX University with a documented medical emergency. The documents were sent in over-night mail to the main campus. The issue was not addressed and they did not respond to my correspondence. Instead they billed me for classes that I only attended ONE day. They sent information to the credit bureau in attempt to ruin my credit, this is what I was told. This happened in XXXX 2012
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

There is a motion on XXXX/XXXX/XX/XX/XXXX @ XXXX XXXX county courthouse to reschedule foreclosure sale date based on 100 % illegal, fraudulent foreclosure. XXXX XXXX XXXX has sold, transfer or assigned this mortgage to Caliber Home Loans in XX/XX/XXXX. 
1. Got out of non-jury trial XXXX XXXX, XX/XX/XXXX which I knew before walking into Judge chambers I was going to lose. To get an idea of what typically occurs @ these non-jury trials just imagine a handcuffed monkey trying to beat a Lion in a caged fight. 
2. Five Year Statute of Limitations ( SOL ) Expired XXXX XX/XX/XXXX 
3. One Hundred Per Cent ( 100 % ) Foreclosure Fraud : Forged and Notarized Original Mortgage signatures, Plaintiff lacks legal standing ( mortgage sold off originally by XXXX XXXX Bank to a trust ), robo signing. Their was the biggest lying straight face robo testifier from XXXX XXXX XXXX I have ever witnessed, it is sad and unacceptable how all their lies, fabrication were allowed into evidence while our strongest evidence by defendants Forensic Expert/Witness testifying original note is 100 % forgery denied her testifying at trial, XXXX due process. 
XXXX law firm does all plaintiffs dirty work. 
4. Force placed homeowner insurance obtained at illegal price gouging rates XXXX, XXXX times normal amount.
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

I applied for a staples credit card from Citibank. The card was approved and I made a purchase.. It was an online application for the card and I used the confirmation number they gave me to do the credit purchase.. The amount was XXXX dollars and some cents. So far I have not received the credit card.. They tell me that I should have received the statements which I did not.. they have been calling me about the payment on the credit card and I am willing to pay the amount that I used on that card but I should not be charged any late fees and finance charge.. They continue to insist that I should pay finance charge. I have refused them to pay anything unless they revert the finance charge.
Consumer complaint received 2015-03-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Credit card : Home Depot Consumer Credit Card I have enrolled in " Auto Pay '' and have authorized Home Depot to withdraw the statement 's balance due amount from my checking account on the due date. On XXXX XXXX, 2015, an Auto Payment was made as authorized. 
Later on XXXX XXXX a duplicate on line payment was of the same amount was withdrawn from my checking account. This was not authorized and the balance due had already been paid! 
The resulting double payment has reduced my checking account balance to a negative amount and has resulted in overdraft fees of {$58.00} and has left me with less than a XXXX balance of funds to pay bills. 
I called Home Depot customer service and spoke with a very nice representative that could see the two payments on my account but after speaking with the Home Depot Disputes department advised me that it will take up to 14 days to refund the the funds. I was requested to to get a copy of the " Bank Transmittal '' form and fax it to XXXX which is the " Existing Disputes '' Department. If I did this I was advised I may be able to get a refund as soon as 5 days. 
I discovered this error on a Friday afternoon. I have not been able to get the transmittal form over the weekend. Now it is going to take many more days to get a refund of my money that Home Depot fraudulently withdrew from my checking account. 
I have had to borrow money to pay the balance of my bills due XX/XX/XXXX.
Consumer complaint received 2015-03-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending (CA)

I was just alerted to an update by way of my accountant that my entire IRS refund was taken by XXXX. It took me 3 years to find a job. I finally found a job and was able to collect income tax and they took the small amount that I was able to recoup. I am a single mother of XXXX children that went back to school at XXXX yrs old. I chose XXXX XXXX which is a XXXX school. They have no job placement. They reported my payment history while I was n't able to pay or find a job to the credit bureaus. I received this letter from XXXX solutions 3 days ago and put it aside out of apprehension. After receiving the news today of my refund, I was tempted to open this letter only to find this information. What can I do to keep these people from taking everything I finally was able to obtain and any future taxable income? They never even gave me an opportunity to get a job and pay the loan back. 

Distraughtly concerned,
Consumer complaint received 2015-05-18
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

At XXXX hours on XX/XX/XXXX CST I received a call from a XXXX with Bank of America inquiring about my account. Bank of America had already been served a CEASE AND DESIST letter on XX/XX/XXXX ordering them to not contact me further. 

Bank of America violated the FDCPA Section 1692c and FDCPA 15 USC 1692 c(c). XXXX at BOA continues to harrass me, and when I advised the Cease And Desist letter she claims no knowledge. I have on record they signed for it and received it. I also sent a copy to the FTC, CFPB, XXXX State Attorney General and the XXXX Attorney General.

I wish for Bank of America to cease all communication, and it would be in their best interest to drop the chargeoff collection as account is too old to collect upon. Charged off XX/XX/XXXX and WA STATUTE OF LIMITATIONS is 6 years. Bank of America, is a Day Late, and a Dollar Short in this matter! 

Bank of America continues to harrass me, and XXXX said 'We will sue you and have you arrested'. Vehicle was voluntarily surrendered in XX/XX/XXXX and i have not seen it since (as I have moved on). 

Bank of America is now in VIOLATION of the Cease and Desist and is eligible for a lawsuit at this time for violations of the FDCPA and FCRA laws protecting the consumer.

I have signature proof from Bank of America showing they signed for it.

Reference CFPB XXXX
Consumer complaint received 2015-12-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TN)

I filed for Chapter XXXX Bankruptcy in XXXX. In the Bankruptcy my home loan mortgage with XXXX was included. This debt was discharged in late XXXX. In XXXX the loan that was discharged in my Bankruptcy in XXXX was sold to Caliber Home Loans. Caliber Home Loans began reporting late payments on my credit report in XXXX and throughout XXXX. I contacted Caliber Home Loans and asked them to stop reporting late payments on my credit reports. I supplied proof of the Bankruptcy discharge to Caliber Home Loans and their attorney, XXXX XXXX XXXX. I explained that I never entered into any loan contract with Caliber Home Loans. They refused to remove the negative information from my credit reports. The loan shows on my credit report as closed. I would like to have Caliber Home Loans entire report to the XXXX credit bureau 's removed from my files as the reporting of late payments has affected my credit score for 2 years.