davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

1. There is an account on my report for services I never ordered nor received. 
2. There is an address on my report where I have never lived. My credit was used to open an XXXX account. I disputed the account years ago and filed a Identity Theft report with the XXXX Police Department.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ). I do not validate the alleged debt from Capital One. Capital One has violated my federally protected consumer rights. As pursuant to 15 usc 1602 ( j ) I the consumer have a open end consumer credit plan, and the account doesn't reflect that which is a violation of my consumer rights. Capital One has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). Capital One 's conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. Capital One has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). If the alleged debt is owed why is there a positive balance? Capital One has shown unfair practices using symbols on the envelopes which is a violation as pursuant to 15 usc 1692f ( 8 ). Capital one has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified Capital One in writing that I refuse to pay the alleged debt and wish Capital One to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with a an invoice. Since Capital One has failed to comply with provisions of 15 usc 1692 Capital One is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oxford Law, LLC (MI)

Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

Equifax continues to report a Chapter XXXX bankruptcy that was filed XX/XX/XXXX on my credit report. This is in violation of their stated guidelines reported here XXXX XX/XX/XXXXWhich states : Public RecordsJudgments remain on file for seven years from the date filed, whether satisfied ( paid ) or notPaid or released tax liens remain on file for seven years from the date released or 10 years from the date filedUnpaid or unreleased tax liens remain 10 years from the file dateBankruptcy - Chapters XXXX, XXXX, and non-discharged or dismissed chapters XXXX and XXXX remain on file for 10 years from the date filed - Discharged chapters XXXX and XXXX remain on file for seven years from the date filedNew York State Residents Only ( must be current resident ) Satisfied judgments remain five years from the date filedPaid collections remain five years from the date of last activityAll other purge rules as noted above apply
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

On the XX/XX/XXXX I attempted to make a mortgage payment for XXXX with XXXX Mortgage. On the XX/XX/XXXX I received a call that they were not able to receive payment due to a missing digit on the account. I paid the XXXX payment that same day for {$1300.00} then on XX/XX/XXXX I made the XXXX payment. My mortgage payment is {$1200.00}. Equifax is reporting that I missed a payment and I 'm 30 to 60 days behind and my score fell XXXX points. They also have my account balance for almost {$10000.00} more than it actually is. I believe Equifax does not verify information before they add it to your credit report and when it is disputed they provide no information that the information they receive is correct. If anything since the funds could not be received for the XXXX payment I would be a month late but I am not two months behind on my mortgage and I do not owe the mortgage company any money. I have a VA loan and XXXX has to report to them. If Equifax would have conducted a proper investigation they would know that the information they have on my credit report is wrong.
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I AM ATTEMPTING TO MAKE PAYMENTS TOWARDS THE ACCOUNT, HOWEVER THEY ARE REFUSING TO PROVIDE UPDATED STATEMENT AND RECIEPTS TO SHOW ANY PAYMENTS.. AS PER THE COMPANY, THEY ONLY SEND OUT A PROOF THAT THE ACCOUNT HAS BEEN PAID OFF. THEY ARE ALSO REFUSING TO UPDATE THE CREDIT REPORT SHOWING PAYMENTS UNTIL THE ACCOUNT HAS BEEN PAID OFF COMPLETELY. AS PER THE COMPANY I MAY USE MY BANK STATEMENTS AS PROOF. WHICH I BELIEVE IS INSUFFECIENT PROOF
Consumer complaint received 2015-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( Equifax XXXX ). I submitted a police report, FTC report and letter 3 times and they refuse to remove these in violation of section XXXX. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

Here is a list of the Companies and dates of the inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 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 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/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
Consumer complaint received 2016-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

I 've disputed these public records multiple times and provided the proof that they are reporting these XXXX accounts inaccurately and they fail to remove them or correct them, which is in violation ofthe FCRA. XXXX removed both of them because they could not verify them, as they did not have first hand knowledge, and no proof that these accounts were reporting correctly and Equifax repeatedly comes back saying they are verified. Both have been released or satisfied and yet they are still reporting a balance and dates that do not exist! These XXXX must be removed immediately. 

XXXX XXXX XXXX - XXXX - # 1 Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this to report on my credit file and you must remove it. 
# 2 You are reporting the date " XX/XX/XXXX '' which is XX/XX/XXXX years ago, making this account inaccurate, incomplete and obsolete. 
# 3 You have not legally verified this account, as legal verification means that you have firsthand knowledge of this account, which you do not. 
# 4 this judgment was satisfied and yet you are reporting a balance # 5 you have not provided the documentation used to verify this account, therefore, because of reasons # XXXX, this must be removed immediately! 
XXXX - # 1 Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this to report on my credit file and you must remove it. 
# 2 You are reporting the date " XX/XX/XXXX '' which is XX/XX/XXXX years ago, making this account inaccurate, incomplete and obsolete. 
# 3 You have not legally verified this account, as legal verification means that you have firsthand knowledge of this account, which you do not. 
# 4 this judgment was satisfied and yet you are reporting a balance # 5 you have not provided the documentation used to verify this account, therefore, because of reasons # XXXX, this must be removed immediately
Consumer complaint received 2015-04-30
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Western-Shamrock Corporation (OK)

My employer received a fax from Western Shamrock manager, XXXX, located ad XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OK, asking for employment verification and garnishment information. I have not been served with any documents or information concerning a garnishment.
Consumer complaint received 2016-06-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

At the time, in early 2015, I was a customer of Bank of America, living in XXXX County, Virginia. I had several unauthorized charges on my account, and as soon as I noticed them, I contacted BofA 's fraud hotline and had them begin an investigation, with some of the money temporarily returned to me. I was supposed to receive some forms in the mail, including affidavits to sign, however I never received these documents. Subsequent calls to Bank of America told me that the documents were on their way and not to worry. Then, suddenly, out of the blue, Bank of America closed my account without warning and sent a letter of explanation that said I was severely overdrawn because they had removed the temporary credits because I had not turned in those signed affidavits that I had never received. Now I have a permanent black mark on my credit report and am blocked from re-opening my account at Bank of America. Since this was n't my fault and I made several reasonable attempts to resolve the situation by following through on their legal requests of me, I would like this decision to be reversed and to be allowed to bank with Bank of America again.
Consumer complaint received 2015-06-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello to whom this may concern, My name is XXXX XXXX and on XXXX XXXX 2015 I received a letter from Bank Of America stating that they were forgiving my second mortgage debt. I ' am currently in the middle of a refinance transaction and am trying to get the forgiven lien from my property title. I have contacted Bank of America several times now trying to additional information for the title company but I have ben told that they might take any where between 30 to 90 days. This effects my current transaction and locked interest rate. If I do not get anything from them soon I might be subjected to new interest rate pricing or not qualify at all. What I would like is for Bank of America to provide me with a letter to satisfy the lien and have it removed from my title. 
Thank you, XXXX XXXX
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: Experian Information Solutions Inc. (VA)

XX/XX/XXXX and XXXX XXXX for {$660.00} Credit Collection I Sent letters requested the credit bureaus XXXX, XXXX, Experian as well as the creditor to provide me the documentation of the proof of verification of investigation that they was suppose to did that they was able to determine account was in fact mine. I have not business with company and unaware of the debt. I also reached out the creditor as well and no response from them or the credit bureaus. And requested the account to be removed from my report if not able to verify it's still reporting on my report negative, and no response from bureaus
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (OR)

I set up an Account with WellsFargo in 2008. I made a settlement to pay off XXXX account. Today I received a call saying I have another account that needs to be paid off. Again they made another settlement. I just want to be sure that I 'm not just giving wellsfargo money after reading about all the fake accounts.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (CA)

I asked Chase Bank to stop sharing credit information with the credit bureaus for an account on which I am ONLY AN AUTHORIZED user. Chase refused to do that and it argued that it received approval from principal user ( i.e. principal user is the person who applied for the credit card ). 

This seems unfair because a bank should get approval from the AUTHORIZED user since it might negatively impact his/her credit ( approval from the principal user is not sufficient )
Consumer complaint received 2016-09-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Platinum Holdings Group, LLC (CA)

Received a call from a man stating he was with XXXX about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is XXXX XXXX and not even licensed. They need to be stopped!!
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NJ)

I am writing to file an official complaint with your agency about my mortgage servicer ( Seterus Inc. for my XXXX owned mortgage ) for what I believe to be : A.Violation of Federal Mortgage Servicing Rules As They Relate To Loss Mitigation Procedures. and ; B. Violating Federal Laws as they relate to responding to 'Qualified Written Requests as defined in RESPA , 12 U.S.C. 2605 ( e ) ( 1 ) ( B ). 

I believe that Seterus Inc may be in Violation of Federal Mortgage Servicing Rules As They Relate To Loss Mitigation Procedures for the following reasons : On XXXX XXXX, 2016 I sent a fax requesting loss mitigation/hardship assistance was sent to Seterus, Inc. to which I received no response ; on XXXX XXXX, 2016 I sent a follow-up fax to the XXXX XXXX, 2016 fax requesting loss mitigation/hardship assistance to Seterus, Inc. due to their failure to respond to my XXXX XXXX, 2016 request. To date it has been 43 Days since my first request for assistance on XXXX XXXX, 2016. 

With respect to my second allegation, I believe that Seterus Inc may be in violation of Violating Federal Laws as they relate to responding to 'Qualified Written Requests as defined in RESPA , 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for the following reason : On XXXX XXXX, 2016 I sent what is deemed to be a 'Qualified Written Request - QWR ' to Seterus, Inc via facsimile to which they never responded or provided me with the information requested. 

Note : Copies of all relevant back up documentation are attached.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CT)

My client has a collections on his credit report from XXXX XXXX XXXX, which has recently been charged by the Federal Trade Commission of pedaling worthless high school diplomas. XXXX. I do not believe he should have to pay this organization, yet his credit is being spoiled. Please advise regarding how we can have the collections information removed from his credit report
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

Hello, I have been with Chase bank for approximately 45 years. Chase bank has charged overdraft fees which the deposits in my account ( ... ... XXXX ) was held/pending. There was a recording that noted deposits may be held 1 business day due to the XXXX Holiday. Upon calling over the weekend, I was told my account will not be charged, this is a recording line. Documentation notes that Chase received {$300.00} ACH deposit on XXXX XXXX, but they noted it on XXXX XXXX, XXXX so I can be charged {$34.00}. It was also done again with {$1400.00} ACH deposit and charged another fee of {$34.00}. Somehow they are finding a way to obtain funds from consumers but credits should be before debits. The ACH department comes in late and leave early.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-07-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

An old mortgage is listed on personal credit file inaccurately. Several times this item was disputed and nothing has been addressed with the creditor and credit agencies. I am requesting your firms help to resolve this matter. A couple things, XXXX and XXXX list 120 days past due which is inaccurate as this account was paid and XXXX also list a payment of {$8100.00} as the payment amount which is inaccurate also. I do not agree with the XXXX and feel this company does n't even have records to support the inaccurate data listed. Please help assist me
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX/XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX/XXXX to have them deleted with negative results.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (GA)

I have a second mortgage that was sold to GreenTree by XXXX XXXX XXXX. Since being past due due to financial difficulties I requested to have I the mortgage loan refinanced. As part of the over the phone interview processed I was asked to provide my spouse income. I explained to the Green Tree representative that my husband is not on the current loan and that I did n't want to use his income for the application process. Only my income which has always been the case will be used to repay the loan. Being in banking I feel that this violates Regulation B __ECOA ( 12 CFR 202.5 ) regarding rules regarding the request for information about a spouse. The Green Tree representative refused to take my application since I would not disclose my spouse income.