davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-09
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. (MO)

The following accounts are not mines, I been a victim of the XXXX  breach and since my identity been compromised I've also been a victim of the dark web. Please remove the following items from my credit file. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX   {$3600.00} 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX  {$5300.00}, {$120.00}, {$1300.00}, {$2700.00}, {$10000.00}, {$94.00}, {$5000.00}
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

My minimum payment was due on XXXX/XXXX/XXXX. I made the minimum payment online on XXXX/XXXX/XXXX. Kohls states that even though I paid it on XXXX/XXXX/XXXX, they now have a policy where bills must be paid by a certain hour on the due date and charged me a late fee of {$37.00}. After contacting Kohls on XXXX/XXXX/XXXX to file a complaint, they removed the late fee charge. Now I get my next month statement and the minimum payment is {$38.00} more then what my minimum payment normally is. Per Kohls, it is because I made a late payment ( which I did n't ) so the next months minimum payment automatically is more. They never notified customers of this change and when I informed them of that, the response I received was " well we added it to the back of the statements. '' Considering along with most customers I do n't get paper statements in the mail anymore, how was I supposed to read that? They are refusing to decrease the minimum payment due back to where it should be. It appears that even though they say they removed a late fee, they are still getting it by upping ones minimum payment for the next month and if a payment is actually made late, they are double dipping in the late fees area by charging a late fee AND increasing only the next months minimum payment. If a person paid a bill late due to financial issues, increasing the next monthly payment is likely to incur another late fee and higher next payment. So basically Kohls is making money by charging these fees over and over. Disgusting and Unethical!
Consumer complaint received 2019-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (WA)

Hello! 

To whom this concerns, I applied for and received a loan in the amount of {$800.00} from " SpotLoan '', a financial agency located in North Dakota, on XX/XX/18. In doing so, I was sincerely unaware of their APR and other fees associated with this loan. To date, over {$1600.00} dollars has been collected from Spotloan, from my checking account, bi-weekly. I put a stop payment on my checking account, in an effort to assess just why SpotLoan had been collecting more than I had originally understood to be collected. In summation, more than ENTIRE AMOUNT BORROWED had been re-couped from SpotLoan. THAT in ITSELF would be unjust and unethical. I would like to assistance in handling this loan, and to see if CFPB would be willing to settle on my behalf. To me, collecting the same amount in interest as the original principal amount would fall under " unfair business practices ''. Thank you for any and all help. Please contact.
Consumer complaint received 2019-08-12
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OPEN MORTGAGE LLC (VA)

I got a letter from Open Mortgage dated XX/XX/XXXX saying I was not approved for a reverse mortgage. however, I never applied for a loan! 

the loan number is XXXX, the address for them is XXXX XXXX XXXX XXXX, # XXXX, XXXX Tx XXXX by XXXX I tried calling but couldnt get through. I dont know these folks, but I want to make an official complaint. 

Thanks for your help
Consumer complaint received 2019-08-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp. (FL)

My 2017 XXXX XXXX XXXX has XXXX  miles I can’t drive it since the front wheel came off at 70 mph on XXXX in XXXX SC on XX/XX/2018 It was towed to XXXX  XXXX in XXXX  SC no one would help me because I’m a XXXX? I rented a car to get to a motel rest and go XXXX  to XXXX  FL. Warranty Coverage was denied because the service man said he never saw four lug nuts snap off like they did he said you probably took it to XXXX. The vehicle has only been service by the authorized XXXX  dealership I leased it from a another Authorzed XXXX Dealership in XXXXFL. XXXX the service man wouldn’t budge so I gave him $XXXX to order a new wheel and four lug nuts.Thank front tire had a slow leak repaired in XX/XX/2018 when the pass.side strut was replaced, that dealership denied they repaired a leak that day and had been called by XXXX at XXXX XXXX. For about $2000 including a rental car I wasn’t going to get upset or fight with very rude employees at a bad time. I paid to car hauler $XXXX to tow the car to my FL home where it’s sitting in my driveway because it’s unsafe to drive after sitting 2 months inXXXX SC
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

Robbed me of my right money and slandered my reputation with my credit I had worked for yrs to buildeven went back to previous payments and collected money from the accounts I paid and got confirmation on them messed up my credit with cc they recommended that did the opposite of helping went from XXXX to & XXXX.
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (TN)

NATIONWIDERECOVERYSYSXXXXXXXXXXXXXXXXXXXX,TXXXXX(XXXX)XXXXIhavespokenwiththiscompanyonnumerousoccasionsaboutdebitthat,isnotowedorhasnovalidationeverysooften,theywill"refile''olddebtasnewdebt,(thisusuallyhappenseverysixmonthsorso.Ihavesentnumerouslettersaskingforvalidationofsaiddebtwithnoresponse,ihavealsodisputedthedebt,atwhichtimetheyrenewthedebtwithanewamount.TheoriginaldebtorisXXXXXXXXXXXXtheycurrentlyshow5debtsthati"owe'',andwhenIlookedthiscompanyupitstatesthatitisahospitalinanothercountythatIhaven'tbeentooinover7-10years.
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

Collections Account with Resurgent Capital Services, aka LVNV Funding, aka XXXX XXXX XXXX XXXX. 
Resurgent Capital Services # XXXX aka LVNV FUNDING LLC # XXXX This debt was settled on XX/XX/2019 via XXXX web portal. 
It was explicitly stated that the 1 time - settlement amount is {$410.00}, to settle the account in full, which I paid in full. I have full documentation, screenshots, bank records fully recorded on paper to this effect. 

Resurgent claims I owe another {$410.00} ( in other words, they are ignoring their own settlement, on the web portal, which I have full written proof of ).
Consumer complaint received 2019-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/2019 I sent a valid dispute to Equifax due to 30+ items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts. A closed or collection account can not also be past due, that's a violation of my rights. I asked for validation under FDCPA611. On XX/XX/2019 I received a response stating the items were updated or remain On XX/XX/2019 I mailed a 2nd request to Equifax asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer FDCPA section 809 ( b ) cease collection and communication of debt until verification is mailed.

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days.

Equifax has continued to violate my rights. First by ignoring my 2 valid requests of validation from which Im entitled to by law within 30days. Second, they continue to violate my rights with each request Ive sent, Equifax updated the accounts in question to a paid late status on 20+ accounts going back years which are reporting as closed. Mind you none of these accounts have been validated but Equifax updates the late status on closed accounts which is a direct FDRCA violation, and it seems as if with every request I send the further they'll go back with the late status on all these closed accounts. 

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under the allotted 30days based on law FCRA611. 

Since Equifax did not comply with any of my 2 requests within the time frame allowed they need to delete the disputed accounts. Please have them comply with the law and my rights by having these disputed accounts removed.
Consumer complaint received 2019-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (MN)

I have received numerous calls for years " attempting to collect a debt '', from DYNAMIC RECOVERY SOLUTIONS. I believe it is for a student loan of a former co-worker of mine. I have told them numerous times I am not that person. I even provided them her number, years ago when I still had it. I have not been in contact with the person they are looking for, for at least 6 years. I have told them nicely and more forcefully to stop calling me. They reply, in a very rude tone, that they have worked with me before. They obviously think I am trying to get out of paying. I have blocked the number, but they call from another one. I have left them voicemails and as of today, I emailed them. Their website they provide on their voicemail, when I called them is GOTODRS.COM. I will call them again tomorrow and demand a person that is higher in the ranks, in hopes they will listen to me. 
At this point, it has gone way beyond what is acceptable. This is outright harassment. I'm hoping you can help me with this matter.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I used TRANS UNION for a free once a year credit check and in doing so WITHOUT MY PERMISSION signed me up for a service at {$19.00} a month. I saw this on my statement and contacted my credit card to dispute charges I never authorized. I talked to a Trans Union representative who over the phone got all my personal information you need for identity theft to be able to stop charging for a service I never asked for. This is OUTRAGEOUS this is one of the main credit history agency 's that we should TRUST with our S.S.N, date of birth, passwords, address. I have seen the complaints other people have made addressing the same issue and expect the CFPB to do something about this!
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC (FL)

The sales person at XXXX XXXX, told me that XXXX affiliated mortgage company, Eagle Homes would match any interest rates of other mortgage companies. I decided to purchase this home based on the fact that I would receive {$20000.00} in closing costs and upgrades if I went through Eagle Home and they would provide fair interest rates, comparable to other lenders. I was hesitant knowing they are affiliated companies because I was unsure they'd provide a fair rate. The sales person explicitly told me that they would match any other lender. With that as my understanding, I signed the purchase agreement. At this point, with two weeks out, with the average national interest rate at 3.7 %, Eagle Homes attempted to offer me 4.25 %. I have good credit and 20 % down. I went to XXXX XXXX they offered 3.6 %. XXXX said they would take away my builder incentives if I didn't go with Eagle Homes. However, Eagle Homes is clearly trying to take advantage of there customers. I asked Eagle Homes to provide a reason as to why the interest rate is so much higher than there competitors with no response. 
I gave them a chance to match and they only went down to 3.99 %. Again, higher than the national average and not near XXXX, forcing me to go with Eagle Homes or lose the incentives. I have no problem using XXXX lender but they are clearly steering me to a lender with unfair rates and requiring me to use there lender to buy a house I would not have chosen to afford without those incentives I had before I signed the contract. XXXX and Eagle Homes have done little to nothing resolve the issue at hand. It looks like Eagle Homes and XXXX are forcing me to use a lender or lose $ XXXX in incentives while trying to make back the $ XXXX by charging me high and unfair interest rates.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For the past 4 years Ive been trying to fix my credit report. I have gone through 2 loan agencies and they have both told me that it appears my credit is frozen. Ive contacted all 3 credit bureaus. Transunion, XXXX  and XXXX. All three Ive called, sent my personal identification to request a unfreeze lift. All three have came back saying there are no reports of my frozen account. With this supposed freeze I can not do anything with my credit. Nothing can be pulled through various bureaus and the bank I use.
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Hello- I'm writing concerning my mortgage company, Wells Fargo XXXX I applied to the Massachusetts Homeowners Fund due to COVID. I was on a suspension from payments from XXXX XXXX XXXX XXXX. I'm now behind those months and XXXX and XX/XX/XXXX. The last 2 payments are due to being in review for a loan modification. In XXXX XXXX, I applied for the Massachusetts Homeowners Assistance Fund. It's still in review. When I spoke to HOA, they said that they're waiting on Wells Fargo to get on board with the program. I was emailing a representative from HOA, XXXX, about technical problems logging on to their site. She said that their notes said that I was approved for the program. But once again, she said that they're waiting on Wells Fargo. I originally found out about the program from a Wells Fargo representative back in XXXX XXXX. It's on their website about the program. Yesterday, I spoke with my Home Preservation Specialist, XXXX XXXX. I asked him if he received all the faxes with documentation that I sent. Including in the faxes was a copy of my HAF application. I wanted my mortgage company to know that I had applied for assistance. He said that he didn't know much about the HOA program. And spoke with his supervisor, who also said the same. Now, they act like they've nothing to do with this. This is so not right. Because their customers really believed that they were trying to help them with their experiences with COVID.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I was in school and or unemployed and they would still charge me interest on the loan amount even though I qualified for deferment. Further, this decision ruined my credit and they have not acknowledge the error and fixed it. My loan is with Navient
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX XXXX XXXX, On my previous complaint, I asked Experian to delete the bankruptcy that is being reported on my credit report because it is being reported in accurate. According to Experian, the data furnisher for this bankruptcy or public record is the US BANKRUPTCY COURT, and they are also telling me that the court verified this bankruptcy or public record when I disputed it with them. I called the court where this bankruptcy was filed and the court clerk told me that the court does not verify anything with the credit bureaus, the court also sent me a letter saying that they do not verify bankruptcy information with the credit reporting agencies. I was told that the court has no idea of how it is that the credit bureaus verify this information, I have told Experian that the FCRA says that every single piece of information on my credit report needs to be 100 % correct or accurate, when I called Experian I was given false information by one of their costumer reps. Now Experian is asking me to provide them with documents that I have sent to them many times, they want my addresses for the last two years, which I have lived at XXXX XXXX XXXX XXXX, MA XXXX for the past three and a half years, my social security number and some other things that they all ready have, I know for a fact that Experian doesnt want to delete this bankruptcy, I just dont understand why they would want to break the law by going over what the FCRA says that credit reporting agencies must do. I sent this letter from the court to Experian by mail and they ignored it, I then provided the letter from the court to them with my first complaint and they ignored it again. Experian isnt giving me no option but to seek legal action in small claims court against them for reporting false information on my credit report and defamation. I will be calling the attorney generals office tomorrow to see what other options I have, a complaint will also be going to be filed with the XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Collection Consultants of California (CA)

I notified Collection Consultants regarding an unfamiliar account. The representative hung up the phone and my letters have not been answered.

Account information : Collection Consultants XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (MN)

In XXXX or early XXXX I began receiving collection calls from XXXX XXXX on my cell phone number trying to collect some undisclosed amount of money from a customer named ( or similar to ) XXXX XXXX ( sp? ). 

At the time of recieving the calls I informed them that no one by that name was at this number, nor had been at this number for the 12 years that I owned this number. The calls continued. After several more calls I called XXXX XXXX and spoke to a " manager '' who assured me the number would be removed fromthe accouint. The collection calls continued and I actually changed my voicemail greeting to REMIND XXXX that XXXX XXXX had never been at this number and to stop calling. 

In XXXX of XXXX I contacted the XXXX XXXX XXXX who opened dialog with XXXX XXXX. After filing this complaint I received a call from XXXX XXXX XXXX ofice who assured me that I would receive no further calls on this matter and that references to my number would be removed from the file. I thought at that time that the matter was resolved and for almost two years that seemed to be the case. However, on XXXX XXXX I AGAIN began receiving calls from " Diversified Consultants '' a contracted debt collector for XXXX XXXX, AGAIN trying to collect on this debt from XXXX XXXX ( sp? ) This is NOT a debt I owe. 
XXXX XXXX has never been at this number AND XXXX XXXX has been made aware of this repeatedly. 
I can not possibly provide them ANY infomation about XXXX XXXX since I have NO CLUE AS TO WHO HE IS. 
XXXX XXXX has already acknowledged my previous complaint and promised to stop harassing me to collect a debt that I have no responsibility for, however this harassment is now recurring.