davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I have been a client of Wells Fargo since before birth, my parents have had millions of dollars in Wells Fargo even to this day. I applied for a mortgage loan in XXXX of XXXX and had my rate locked in. I was applying for a mortgage on a home I already owned, I was XXXX XXXX XXXX and owned my home outright and was trying to get a loan for XXXX on the home I owned. I was approved for a rate of XXXX and then I was called and told my application was actually declined due to a XXXX month period of unemployment from XX/XX/XXXX to XXXX of XXXX. I was clearly redlined.
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

Last year, I was going to go on a trip to LA in XXXX of 2022. I booked a flight and had payments set up for Affirm with XXXX XXXX. 

Upon learning that the trip would no longer take place, I immediately canceled the flight. As you'll see from the emails, I canceled quite a bit of time before the flight was even going to take place. I reached out to XXXX XXXX, and they immediately understood and canceled everything, because I gave them plenty of notice. 

I then reached out to Affirm and let them know that I canceled the flight and would not be taking the trip, but they continued to ask me to submit the proof, and then when I did they would ignore it. 

I submitted the proof a few times to affirm- which they ignored and then sent off to XXXX, a debt collection company, for absolutely no reason, since the airline canceled the tickets. I have about 20 attachments of proof of me reaching out to both Affirm, and XXXX  XXXX. They're ruining my credit, they have been extremely negligent, and plain outright annoying over something I had canceled and brought to Affirms 's attention several times. It was literally a plane ticket that I had canceled!
Consumer complaint received 2015-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (TX)

I made a payment of XXXX to GC Services on XX/XX/2015 and XXXX says that they are saying that I still owe a full balance so thy cant remover the collection from my credit report when I had settled the collection in full on XX/XX/2015 therefore I still is showing a collection on my credit report.
Consumer complaint received 2023-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I sent a Notice to Opt-Out and Dispute letter to CapitalOne on XX/XX/23 in regards to 2 accounts that they are reporting negatively, without my consent, on my file to credit reporting agencies. I have been impacted negatively by being denied new credit because of the adverse information being reported by CapitalOne. Per 15 USC 6802e ( 2 ) I do not consent to any information that is being reported by CapitalOne. CapitalOne is illegally reporting transaction history on my consumer file, per 15 USC 1681a ( d ) ( 2 ) ( i ). I have also notified CapitalOne through telephone, per their privacy notice, to verbally Opt-Out, but the accounts are still showing negatively on my consumer files.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MN)

A while back in XX/XX/XXXX i did a dispute with convergent outsourcing about someone using my identity to get a cell phone. There was a remaining balance of {$620.00} dollars which i disputed ad fraud. XXXX asked me to come back and re investigate when I got a police report. I did that. I wrote a new dispute three months ago in XXXX. sent a police report in XXXX as well as another dispute letter. And in XXXX i sent a demand to comply letter. They have still yet to provide me any written or verbal proof of how they validated the debt. they have sent in my credit report with the same fraudulent inaccurate debt still reporting. XXXX have not given me proof of a wet signature signed by me from sprint or convergent of the person who committed fraud. I told them to stop and take it off or I would seek legal action.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Good Day, Equifax has these accounts on my credit report that are not. Please remove. 
XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Status XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX
Consumer complaint received 2023-05-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I am writing to file a complaint regarding an inaccurate late payment reporting on my credit reports by TD Bank. Specifically, TD Bank is reporting a 30-day late payment on my car loan in XX/XX/XXXX, which is not accurate. I have never been late on this account. 

On XX/XX/XXXX, I made a payment of {$390.00} to TD Bank for my car loan. However, the next statement generated by TD Bank showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to TD Bank. Therefore, this late payment is not reporting accurately, as the payment to TD Bank was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from TD Bank showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from TD Bank showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reported something on experian about a company that has a record of preying on me reporting false information. Experian is not conducting an investigation and instead allowing the company to perform their own when they are already being crooked. I called experian and asked what information they could possibly be receiving from this company and they told me that they do not receive any documentation from the company who conducts their own investigation which is absolutely absurd!
Consumer complaint received 2023-05-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (FL)

Loss Mitigation Steps Outlined in the link below by the U.S. Department of Housing and Urban Development, have NEVER been performed by US Bank on my behalf. 
Not once have they sent me anything about the : COVID-19 Forbearance, FHA 's loss mitigation options, Special Forbearance ( SFB ) -Unemployment, https : //www.hud.gov/program_offices/housing/sfh/nsc/lossmit They have had me in Court fighting a foreclosure since XX/XX/2019 - XXXX XXXX XXXX XXXX XXXX, arguing about the VALIDITY of the mortgage.
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (LA)

I recently viewed my credit report and noticed a collection account, from a company that I am not familiar with, NCB MANAGEMENT.. I tried to contact the original creditor,XXXX XXXX XXXX but to no avail. 
Not only do I not know of the original creditor, but I also received no formal communication, in regards to the debt, right to dispute the debt, or to rights to request the validation of the debt. It only appeared on my credit report. 
As I have a fraud alert on my credit report, I was not made aware by the bureaus of any inquiries made or new accounts added to my reports.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (ID)

My stepdad and a friend wrote me a check for my post-elopement celebration on XX/XX/XXXX, while most others XXXX 'd or used other methods. My stepdad wrote me a check for {$2600.00} while my friend wrote me one for {$200.00}. I deposited both checks electronically and discarded both. Chase froze my account while they verified the checks. After 14 days, Chase notified me that they would be closing my checking account because they couldn't verify the checks. I didn't feel comfortable providing them the phone number of my stepdad or my friend as Chase informed me I had to. After the accounts were closed, I thought I would have the checks returned to the senders. I waited from news from my stepdad and friend about receiving the funds back, but nothing. Finally, Chase said they would hold my checks indefinitely until they verified. My friend called her bank to cancel the check and said she could just XXXX me the money, but her bank said that the check cleared and had already been deposited so it could not be returned. I finally gave them both the number of my friend and my stepdad. They " verified '' my friend 's after calling Chase about 3 times for this. They notified me they couldn't give me the {$200.00} check because it was now " linked '' to the {$2600.00} check. I gave them my stepdad 's number, and that couldn't be verified. Chase somehow got my mom 's number, even though they're not in the same phone plan. They said they would call my mom 's number to verify. My stepdad was out of town so my mom answered, and told them to call this week. I called Chase yesterday, XX/XX/XXXX, to verify they would call my mom 's number today, XX/XX/XXXX. Today, XXXX said they couldn't " verify '' neither my stepdad 's nor my mom 's number as it belonging to him. My stepdad lives in XXXX  and I live in XXXX, so we can't go to the bank in person to verify, according to XXXX. I have a call history that I have been on the phone with XXXX every week at least twice a week since end of XX/XX/XXXX trying to solve this issue. I still don't have the total of {$2800.00}.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXX reported as of today what portfolio recovery has said in my dispute which counteracts against what they responded to XXXX XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After PORTFOLIO RECOV ASSOC Your information XXXX have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$3600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment NA Original balance {$3500.00} Highest balance NA Terms 1 Months On record until XX/XX/XXXX Payment history Report Number XXXX Date Generated XX/XX/XXXX Before After PORTFOLIO RECOV ASSOC Your information XXXX have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment NA Original balance {$4200.00} Highest balance NA Terms 1 Months On record until XX/XX/XXXX Payment history
Consumer complaint received 2023-07-07
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: JPMORGAN CHASE & CO. (CA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (MI)

After going through my updated Credit Report, which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that my Credit File still reported the fraudulent items and information on my Credit File. The disputed items remained on my Credit Report, and yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent items the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA Section 605b, any and all fraudulent items must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these items for 4 months already, and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand the Credit Reporting Agencies to remove the disputed items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023. Not only did the Credit Bureaus not send me a copy of my updated Credit Report, they have not sent any documents supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.
Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

My first complaint was XXXX made by myself XXXX XXXX XXXX XXXX The company Title Max located in XXXX, Texas based out of XXXX Georgia. They have given me until XXXX XX/XX/XXXX to come up with XXXX for a settlement. Currently, I have paid this company XXXX on a loan that was taken out for XXXX in XX/XX/XXXX. My truck is only worth XXXX dollars and I feel very foolish for doing this kind of loan. The first response to my first compliant seems to be a stall tactic to get more money from me. I'm at wits end and don't know what to do if they try to repo or steal my truck from my property. Retired and XXXX XXXX XXXX Veteran, I thought we are covered under the Military Lending Act from deceptive, misleading, bait and switch tactics, high interest rates on all loans. This company has been fined numerous times and still doing this to American citizens. I served my country for 24 years for equal rights and justice for all not this kind of nonsense. I will never give up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (FL)

I am writing to file a complaint regarding an inaccurate late payment reporting on my XXXX XXXX  account by Equifax. Specifically, Equifax  is reporting a XXXX late payment on my car loan in XX/XX/XXXX, which is not accurate. 

On XX/XX/XXXX, I made a payment of {$390.00} to XXXX XXXX  for my car loan. However, the next statement generated by XXXX XXXX  showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to TD Bank. Therefore, this late payment is not reporting accurately, as the payment to XXXX XXXX  was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from XXXX XXXX  showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from XXXX XXXX  showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (GA)

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX