davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IL)

The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( XXXX XXXX XXXX, XXXX ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea,  but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

Blitt and Gaines/Attorney at Law XXXX XXXX XXXX XXXX, IL. XXXX XXXX
Consumer complaint received 2019-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I keep getting false notices about my loan. The payment amounts do not match and are not consistent. I have tried calling the servicer, but they do not offer any specific information. They are not helpful. The supervisors I have talked to are not helpful. They don't seem to understand the questions I am asking. I worry that my payments are being mishandled.
Consumer complaint received 2019-08-17
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: EQUIFAX, INC. (HI)

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... 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... If you do not remove it from my record, please provide me with written proof of every detail shown in your entry
Consumer complaint received 2017-08-17
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. (CA)

To whom it may concern, For the last month, I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty, inaccurate/incomplete information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact. Apart from that, my new credit report has addition incomplete/inaccurate information. Either the creditors can not verify the address they have on their file for these accounts or this company blatantly violated FCRA. Clearly, on my credit report, they are showing " address identification number : NOT AVAILABLE ''. They are showing " Not Reported and No Data '' as well. These are just some of the proof that this company violated FCRA blatantly! Attached is a copy of the first letter I sent them and a copy of my credit report.
Consumer complaint received 2021-01-13
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2017-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

Back on XXXX/XXXX/XXXX my realtor received an offer on my home, and we emailed the offer, third party authorization, buyer proof of funds and the preliminary HUD to the lender for review to postpone the foreclosure sale. Me, my realtor and my realtors assistant have phoned the lender everyday this week to check the status and to do a formal request to postpone the foreclosure sale and the lender has continuously informed us that they did not receive the email which the email address is XXXXXXXXXXXX and XXXXXXXXXXXX. 
Then when I phoned today, they stated that they have the documents but they will need more time to review the documents, and I do not have more time. The foreclosure sale is Tuesday, XXXX XXXX, XXXX @ XXXX. The lender has been XXXX around with me and my realtor for two weeks now, and this is simply unreasonable and I am desperate for help and trying as hard as I can to make this work, and I feel as if the lender is not assisting me with the foreclosure postponement. I understand that the lender did not put me in this situation, but they are not doing what the government says a lender should do to provide foreclosure alternatives to me as a homeowner either. Please HELP!
Consumer complaint received 2017-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC (MO)

On XX/XX/XXXX I received a notice of intent to collect a debt by XXXX XXXX. I previously received a phone call from them that they were attempting to collect a debt and requested they send verification of debt. They said I just needed to pay it. I repeated asked for the verification of debt and said that he could send me the judgement against me. It appeared that he was threatening that legal action had or would be taken. If legal action had been taken I thought that the court would have already sent a judgement for garnishment so at this point I thought it was a scam and hung up on the call. When I received a letter from them on XX/XX/XXXX I called again and they requested some information to verify my identity. I did not give it to them, because I still was not sure that this was not a scam. They connected with with a manager and I explained that I wanted to dispute the debt. He said that I should send in proof of settlement to dispute the debt. I asked for proof of the debt from the original creditor and he said that the original creditor was no longer in the picture. He said they had received notice that I owed the debt and I told him that I disputed the debt and asked him to send me documentation that I owed the debt and he kept telling me to send proof from the company that the debt was settled. He said in order to dispute I would need to send proof of settlement. I disconnected the call because at that point he was talking over me. 
I do n't believe the debt is valid, but I do n't have enough information to determine if it is. I did have a credit card account with the original creditor. That credit card was bought by another company, but my account never defaulted. In fact I still have the credit account. If this is the creditor I think it is it shows on my credit report as pays as agreed.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I am uncertain as to WHY these late payments are present on XXXX ..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WI)

I had not used my Discover card in a while since we were able to pay off our balances about a year ago. I logged into my account and discovered they had closed my card. I contacted Discover and they confirmed they closed my card. I was told I was mailed a notification that if I did not use the card by XX/XX/22 that the card would be closed. I either never received the notification or threw it out since I had elected to go paperless quite some time ago and the company constantly sends unwanted solicitations for other Discover products in the mail. I called to let them know I never received the notification and I wanted to have the account reopened since I have had the card over 10 years. I was told that they are not able to reopen credit cards once they are closed. I asked to speak with a supervisor and was told the same thing. I asked to speak to their supervisor and was told that they is nobody higher they could escalate a call to. I was also told it was a company policy and even if they could get someone higher on the phone they would not be able to reopen the account. The fact that they closed one of my oldest credit cards with a large credit limit is going to negatively affect my credit. Their only solution is to apply for a new card which is not going to correct the issue that they have caused.
Consumer complaint received 2019-12-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NC)

I SOLD my house on XX/XX/2019 and the money to pay off the mortgage was 'WIRED '' ELECTRONICALLY in the amount of XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ( {$76000.00} ) to M & T Bank on XX/XX/2019. This was 'VERIFIED ' by Closing Attorney 's office as to the amount of Pay OFF that was due under mortgage account XXXX. To date ( XX/XX/2019 ) M & T bank has NOT UPDATED to show that I have a XXXX balance with them and that the mortgage is PAID IN FULL. This is effecting my " CREDIT '' and should have been UPDATED BY NOW. I DO NOT OWE THEM ANY MORE MONEY!!!!!
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XXXX XXXX, 2017 I paid off my mortgage with XXXX XXXX XXXX XXXX. In the previous month, a car lease to XXXX XXXX was satisfied and closed. The lenders reported these account paid off and closed. My credit score has been decimated as a result. My score has been consistently in the 780-805 range for over 2 years. It is now XXXX because I retired debt. I have been diligent not to over utilize my credit, paid all my bills on time and have long standing accounts, one 32 years old. I have spoken to XXXX reps twice and TransUnion 3 times. None of these people can offer any explanation other than I paid off debt. There are no human eyes on this calculation, only algorithms. How can these practices be acceptable or legal. I am retired and have worked all my life to maintain good credit and because I retired debt now I am being penalized. It is totally counterintuitive Please help me.
Consumer complaint received 2019-08-17
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: EQUIFAX, INC. (HI)

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX/VXXXX, 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 ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Consumer complaint received 2017-08-17
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. (GA)

Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2021-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-17
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: LD Holdings Group, LLC (CA)

XX/XX/19-I sent a request through XXXX XXXX for re-fi options. You only give them your name contact info, loan amount, absolutely no personal information like social security numbers or dob entered. XXXX XXXX sent my social security number and all personal information out to neumeous entity’s without my approval or knowledge XX/XX/19 - I spoke with one of the companies XXXX XXXX  sent my information to Loandepot.com. XXXX XXXX  called me, he asked if I could verify my dob and last 4 of social, I’m perplexed as to how he has the last 4 of my social and dob, I’m assuming this is to verify I’m the person I say I am. I later found out he ran my credit. He never asked for permission nor did I give permission to run my credit. Now my credit has been hit, and this is fraudulent conduct. I have emailed XXXX  XXXX, his parter XXXX XXXX  who was cc’d on our email, I have left messages XX/XX/19 from first thing this am for their manager XXXX XXXX, his manger XXXX  XXXX  with no response.I have filed a complaint with XXXX  XXXX, Loandepot.com, XXXX, I’m asking that you please research this matter, this should not have happened, this is illegal, and this person XXXX  XXXX  seems to be licensed in multiple states. Thank you
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

In the summer of XXXX Amazon charged my credit card multiple times without my permission. At the time I had an Amazon account but I was not using it and I did not give Amazon authorization to charge my Chase Credit card. I made multiple attempts to correct the issue with Amazon but to no avail. I started reaching out to Chase about this issue in XX/XX/XXXX to dispute multiple Amazon unauthorized charges. I never heard anything back on the disputes. I reached back out to Chase in XX/XX/XXXX and XX/XX/XXXX multiple times and I was never able to get any clear resolution or understanding of what was going on with the dispute. I reached out again in XX/XX/XXXX and XX/XX/XXXX and still I was unable to get a clear resolution as to what was going on with the dispute. In XX/XX/XXXX I was unable to reach anyone at Chase, the lines were busy and the hold times were long and they kept disconnecting me after having me wait on hold for almost two hours. In XX/XX/XXXX I followed up with a Chase Branch to ask for help with the matter and I completed a complaint form over the phone that was suppose to be forwarded to the Executive Office. I heard back from someone in XX/XX/XXXX who identified themself as someone who received my complaint and they worked in the Exec Office. They provided their name, XXXX and contact number ( XXXX XXXX ) and told me they would work on the complaint and get back with me as soon as possible. ( Their work hours was XXXX XXXX XXXX XXXX ) However I never heard back from them and the extension number they provided me does not work. After not hearing back I started reaching out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all to no avail. I am looking for someone to get back to me to ultimately resolve this issue and remove these long overdue unauthorized charges from my account.
Consumer complaint received 2019-08-16
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)

I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX XXXX knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, Equifax and XXXX. All agree this is an error but can not stop XXXX XXXX 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX   continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.
Consumer complaint received 2017-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

There was a count that was open with Capital One and the year of XXXX or XXXX at the time I was XXXX or XXXX years old I tried to dispute the account many times but count to one refused to take it off my credit maybe a XXXX ago or two XXXX ago I called Capital One and discuss with them that this was not my account and I 'm under age of the time the account was opened and I do n't know who opened the account the later who I 've spoken to was very very rude and she and she was pushy about the account she went ahead and told me that normally people who open account to other people 's names do not typically pay on these accounts which they made a payment or {$25.00} XXXX time so I want on to express to her just because someone made account when just because someone make a payment or account or {$25.00} you 're telling me my identity was not stolen she went on to tell me several purchases that were made on the account which I never made the told me that was sending letter in the mail to my house in an envelope from the credit room I never said the envelope in the mail from anyone I 'm sure this because I checked my mail daily looking for this note I think it is very unfair that someone opened a credit card in my name in at the age of XXXX XXXX XXXX I ca n't even get credit cards because someone decided to make a credit card in my name and that the credit bureau Capital One have in place we 're not protect people and help them thank you