davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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: CL Holdings LLC (CA)

There was a charge of {$430.00} that came onto my credit report from Jefferson Capital Systems. My social security was compromised and someone made an account and charged that amount to XXXX which is a buy now, pay later company. I was not able to see this on my credit report until very recently when I got an alert from XXXXXXXX XXXX My payments are always made on time so this was shocking for me. I have spoken and worked with XXXX - XXXX XXXX - Restoration Specialist to resolve this matter. We have called Jefferson Capital Systems to report fraud/identity theft. My case number with XXXX XXXX XXXX XXXX is # XXXX. Thank you.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

On XX/XX/XXXX, I was checking my emails. I noticed I was receiving an email from my identity alert subscription, informing me that I was in collection. I contacted them ( collection agency ) Helvey and Associates ( XXXX ). They informed me it was over an electric bill from XXXX XXXX, in the amount of {$190.00}, from XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX Ohio. I sold that house in XXXX. They said, they were attempting to contact me, but they were sending it to XXXX XXXX, which was the house I sold. They did not send me a DEBT VALIDATION LETTER. I watched my credit rating go from XXXX to XXXX. A drop of XXXX points. This needs to be addressed ASAP. I think both XXXX XXXX ( XXXX XXXX ) and Helvey and associates ( collection agency ) ( XXXX ) should be reprimanded to the fullest extent allowed. I don't understand how an agency can just attack someone's credit score for no reason or proof of any wrong doing. I will be happy to provide any and all information needed, that may help prevent these people from attacking other people, with no evidence or reason.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

On XX/XX/XXXX I submitted regular mortgage payment plus {$50.00} for principal payment to be applied. This was a friday so the payment would not come out until after XXXX XXXX so I expected the full payment to come out by XX/XX/XXXX. On XX/XX/XXXX I called my normal bank where I hold my checking account to check if my Mortgage bank had taken the fees and payment out. they had not. On XX/XX/XXXX I filed a Research Request with my Mortgage Bank to locate any trace of them trying to take out my payment that I had scheduled, I also contacted my Normal Bank where my funds are, and they had no record of my Mortgage Bank even attempting to take money out. I have other bills, debts so the money was not going to stay in my account forever and I was trying to get the Mortgage company to hurry and take out the funds. <P/>XX/XX/XXXX the Mortgage bank tried to take the money out of my account at a much later date than i had previously expected, hence throwing off my money management schedule, and bouncing back with NSF funds because the money was NOT in my account. Now I am being asked to pay 2 x the mortgage amount and that is unacceptable! I did my part, always paying on time since I signed into this Mortgage, and I have NEVER missed a payment.
Consumer complaint received 2017-05-08
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. (AL)

In  2009, I file d for bankruptcy for  Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first  house or transferring credit card debt to a 0 % APR so that I can pay that down faster without any interest. Please advise. Thank you!
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (KY)

Payday loan was taken out on XX/XX/23, contract signed to automatic payment on XX/XX/23. Checksmart processed the payment on XX/XX/23. And their online suggestion is come back in and take the loan out again and we can offer half off the fee ( fee is {$88.00} ). We have contact the store manager and corporate and no one is willing to help with their error.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In  2009, I filed for bankruptcy for Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first hou se or transferring credit card debt to a 0 % APR so that I can pay that down faster without any interest. Please advise. Thank you!
Consumer complaint received 2023-11-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: London & London (CT)

London & London contacted once, stating that I owe an alleged debt to XXXX XXXX  XXXX XXXX I replied to London & London as shown in the attachments. London & London did not reply to my request but instead violated me with a lawsuit. 

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Consumer complaint received 2023-11-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: London & London (CT)

I received a notice from London & London stating that I owe an alleged debt to XXXX XXXX XXXX XXXXXXXX I replied to London & London as shown in the attachments that I have included with this complaint. London & London did not reply to my request but instead violated me with a lawsuit.
Consumer complaint received 2023-07-17
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sulphur Bank Rancheria Enterprises (OH)

I want return an installment loan sent to me XX/XX/23 because I wanted only {$920.00} and the finance charge is $ XXXX. APR is 700 % I have sent a request to cancel, as instructed, however the loan company gives only 24 hrs to do so. I want to cancel this loan and all future payment obligations. I want to return funding, principal so that obligations for this loan under this agreement will be rescinded. 
I do not appreciate a predatory loan causing great financial difficulties.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRSTBANK (CO)

On XX/XX/2023, I was unable to log in to XXXX to manage my account. I called the branch from which I had originally made my account, and they explained that they had closed both my credit and checking accounts for nonpayment to the credit account, thereby limiting access to my checking account until I physically visited a branch and became current on the credit account. I am currently sick, so it would be unsafe for me to visit a branch at this time.
Consumer complaint received 2023-11-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (FL)

Company has trade line on all XXXX credit bureaus, consumer has no knowledge of this debt. Consumer has sent debt validation letters to National Credit Adjusters LLC via Certified Mail with return receipt which was delivered on XX/XX/2023. For account number # : XXXX, Amount in Dispute : {$200.00}, and Acct # : XXXX, Amount in Dispute : {$270.00}. I have no knowledge of this account and I have sent NCA LLC debt validation letters with no response. 

I have no knowledge of these accounts. Company has not responded to debt validation letters that have been sent. Trade lines still appear on all 3 credit bureaus
Consumer complaint received 2023-11-24
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Recovery Services, Inc. (IN)

The collector by the name of XXXX XXXX called me on XX/XX/XXXX at XXXX XXXX  letting me know that my balance with XXXX  XXXX has been sent to them for {$2100.00} she did not disclose any mini XXXX XXXX I asked her why I never received notification by mail from Southwest Recovery Services and she told me that they do not send out notices. She offered to email me the letter and I told her no but since I was driving I told her will call her back once I came to a safe place to stop. I did call her back on XX/XX/XXXX at XXXX XXXX  and advised her I will set up a payment plan for {$50.00} a month using my bank account and when I get more money I will pay more she refused to set up the payment plan and she demanded over {$100.00} a month I told her I have a XXXX XXXX XXXX XXXX  that Im also taking care off. She refused and said XXXX will get me fired and my XXXX will be revoked and she was very rude at the end of the call and she hung up I did try to reach out to her manager the information she gave me was XXXX XXXX XXXX. Called the number left a message requesting a call back on XX/XX/XXXX at XXXX XXXX. When she send me the mail the sender emailed was XXXX and name was XXXX XXXX. Today she called me same way no mini XXXX I adv her still waiting for her manager to return my call since she refused to accept to set up a payment plan of {$50.00} a month she got upset and said I will lose my XXXX license she was verbally abusive the first time I spoke to her and today when she called around XXXX XXXX  XX/XX/XXXX after she hung up I call her manager and left a detailed message with my case number a few minutes later she emailed me to say I refused to pay and will document the account as a refusal to pay and she demanded full payment via email by XX/XX/XXXX. Im so stressed about this cause Im not refusing to pay all I want is to set up a payment plan to pay this debt off just I do with my other bills but they making it so difficult to a point where Im getting a mental breakdown.
Consumer complaint received 2023-07-17
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
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. (FL)

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I enrolled in automatic drafts to pay my credit card. The drafts stopped and I was charged XXXX fee XX/XX/2023 This is not the first time I have had a problem with capital one charging me fee 's. It's to the point, where I want to close all my accounts. 

They can see my checking and know that I am on a fixed income due to have a XXXX XXXX child.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I sent my full identity theft report to the credit reporting agencies, each one being XXXX, Experian and XXXX XXXX. I sent every piece of documentation required under the fair credit reporting act specifically section 605B which requires the credit reporting agency to immediately block and remove any accounts, identified as fraudulent by the consumer within four business days. Within one week I received information from each credit Bureau stating that they refused to block the information and instead rolled over into a 30 day investigation. These laws are in place exactly for these reasons so that consumers don't have to fight back-and-forth with the credit reporting agencies to have information deleted that doesn't belong t instead with the credit reporting agencies are doing is deciding to be the judge in jury and they are making the decisions on what they want and what they don't wan na block even without any new proof or new evidence from the furniture of information other than the original information that was submitted that negatively impacted my credit report that was the results of fraud. The credit reporting agencies are notorious for this and continue to get away with it and don't take responsibility. The consumer is not the customer of the credit reporting agency, yet the large companies that report and furnish the information on the consumer are the customers of the credit reporting agencies and pay for that service. Therefore the credit reporting agencies cater to their customers and not to the consumers and or victims of identity theft. I want the information that I clearly outlined in the theft report sent to each one of them certified mail that provided every required document under law as well as the California Rosenthal act and I want those accounts immediately deleted and removed from my reports.
Consumer complaint received 2023-07-17
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-17
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. (TX)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XX/XX/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 Original Creditor XXXX XXXX  XXXX
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

I am in desperate need of assistance. I submitted a modification packet t o Ditech s ince  XX/XX/2016   . However they keep prolonging my case making me fall further behind. By doing that my documents got expire, had to re-summit everything again.     I have tried to work wit h Ditech but nothing is been done. I have provided more than twice all my documents to Ditech.  today I spoke with my assign  specialist   XXXX    XXXX   XXXX   XXXX   he told me there were no new notes, from the escalation that was submitted. At this point I am more than sure tha  t Ditech is practicing fraudulent and deceptive practices in order to prolong my case and to deny me any assistance.
I am tired of Ditech taking advantage of me because I am a elderly person. Ditech is aware that my intentions are to keep my house with an affordable mortgage payment. I am in desperate need of assistance. I have cut lots of unnecessary expenses to make sure I can be provided a modification. At this point I believe Ditech wants to foreclose my home instead of offering me a modification.
Consumer complaint received 2024-04-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital one auto finance XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX if a consumer notifies a debit collector that the consumer refuses to pay debit the debit collector must cease all communication 15 usc 1692c ( c )
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

I caught suspecious transactions on my account. One on XX/XX/XXXX by XXXX that is {$360.00} and the other on XX/XX/XXXX by XXXX XXXX hotel that is {$580.00}. I confirmed that both of transactions wasn't authorized by me. I reached out to the fraud department of Truist ( my bank ) about these two transcations, and they are refusing to refund due to the same pattern of transaction. One of the specialist in fraud team confirmed that I've never bought any products/ services from XXXX XXXX hotel . Also confirmed that I haven't bought any products from XXXX for about 3 months. I reached out to those two merchants to inform those transactions were fraudulent. I got a name of individual who reserved the room at XXXX XXXX hotel using my card information. I also talked to XXXX customer service about these transaction. XXXX says that the payment didn't go through, so the order is in still pending process, but they still charge me {$360.00}. I told all these information to the fraud department, and they said they are closing the case due to a large amount of cases. They are refusing me to help me, and defending the active criminal who still try to use my card information.