davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

I was referred outside of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, contact number XXXX. XXXX XXXX was to invoice XXXX  with preauthorized code for outsourced fee base reimbursement. ( XXXX  patient, myself, not responsible XXXX XXXX XXXX accepted assignment for care and refused to file to XXXX. Received invoice for {$2000.00} which I disputed. No response from XXXX XXXX. They have no placed this amount with XXXX XXXX collection agency, AssetCare, assigned ACCT # XXXX and their phone number is XXXX. I have called to dispute and asked to call XXXX XXXX directly to dispute. This is not a debt I am responsible for and XXXX XXXX and their collection agency refuse to assist.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (GA)

I have had a Chase XXXX Credit card that is currently closed but I am still paying the balance. I set up automatic payments but for some reason they have ceased and now they are charging me late fee after late fee and probably are reporting the account delinquent causing serious damage to my credit score. I have not received any statements from them for this account either. When I was made aware of the situation I attempted to make payment on the account online only to be told that they are unable to process the transaction and to please try later. I have worked hard to build my credit back up only to have it in jeopardy because of this Chase account. I have been a loyal customer for many years and I am extremely disappointed.
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WI)

Phone call prompting to call XXXX, when they use a fake caller ID number XXXX. The name they ask for is an unknown person to me. I've told them this, and they continue to harrass me.
Consumer complaint received 2017-03-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (GA)

checking XXXX and it says i have one duragatory mark in the XXXX but not XXXX?? for a american medical collection, that was paid awhile ago for XXXX $???? this is affecting my credit scores
Consumer complaint received 2016-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: High Point Asset Inc (OK)

For several months I have been receiving recorded messages threatening to take some undefined action against me if I do n't return the call within 24 hrs, or by the end of the day. These calls are mostly from XXXX and occasionally XXXX and XXXX. When returning the call to the first number there is no answer. At XXXX time they identified themselves as Highpoint Assets. They ask for a person who has a similar name to mine. These calls come at least daily and sometimes more often. I did reach a person at the second number and found out it was about some credit card, which I do n't have. The calls stopped for about 6 weeks and started again recently.
Consumer complaint received 2023-07-10
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I found out today that because Carrington Mortgage reported me as having a 180 day late in error ( which I am still trying to get fixed ), there is no potential for me to buy a house before I die. 

I was told I would be able to purchase a house once 12 months has past since Carrington reported the 6 months of delinquency ended. PROBLEM ... .... I was never late for 6 months and then these idiots never filed dates because it never happened. It only shown on my report as a 180 day late with no dates.
Consumer complaint received 2023-01-03
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. (MS)

I AM THE VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
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: NAVY FEDERAL CREDIT UNION (MD)

In accordance with the Fair Credit Reporting Act XXXX  accounts below violated my rights to laws 15 U.S.C 1681 SECTION 602A - Which states that I have the right to privacy 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not Furnish an account without my written instructions.

I have requested several times to prove these accounts and send original documentation with my signature. I have disagreed with the Creditor and credit bureaus on their last investigations XX/XX/22, XX/XX/22, XX/XX/22. There has been no response and no update according to the FCRA laws.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (IL)

A creditor ( XXXX XXXX ) has unlawfulley treated a payment on a loan account under an open end consumer credit plan as late! 

So by law referring to 15 USC 1666B : a creditor may not treat a payment on a account under a open end consumer credit plan as Late for any purpose!
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I left the program due to family emergency. XXXX University refunded Navient {$2400.00} and {$1700.00} totaling {$3700.00}. They are still reporting it on my credit report despite being paid back the money. The Navient representative I spoke to was XXXX on XX/XX/2017 at XXXX
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I bank with truist and I made a transaction on my account on XX/XX/2023, the transactions never posted in my account.my account was overdrafts by XXXX. The bank is telling me that I didn't have the funds in my account and that it posted on my transaction, which it never did. On XX/XX/XXXX, I used the last that I had in my account which was XXXX, the bank is charging me for transaction for the XXXX and XXXX, when I know funds were in my account. They continously tell me that I didn't have the money and that I can see the transaction. I have called 3 times and all 2 times told them, i don't see any transactions for the XXXX but on XX/XX/XXXX, I talked to a supervisor and she told me that she can see the transactions on XX/XX/XXXX XXXX
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2017-05-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CMG MORTGAGE, INC (CA)

I am a resident of California. I had received notice from my mortgage company XXXX XXXX XXXX XXXX that my home was being foreclosed on with a sale date in XXXX. In XXXX of XXXX I applied for a loan modification for my home mortgage. CMG confirmed they received my loan modification package and postponed the sale date until XXXX XXXX, XXXX. Since applying for the modification I have contacted the XXXX XXXX on a regular basis : at least once a week, sometimes more and have provided all documents they requested. Currently no decision has been made on my account and they have not removed or postponed my sale date. I understand that a sale date held concurrent with a loan in the process of being reviewed for modification is illegal in California and called dual tracking. This dual tracking has continued throughout the processing and review of my my application and XXXX XXXX refuses to acknowledge that this is illegal and remove my sale date.
Consumer complaint received 2022-12-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

Atlantic Union Bank reneged on their commitment for a construction loan without notice. 

I meet with branch, had phone calls with XXXX  lending XXXX, and president 's office and sent letters to each - none of which resulted in any remediation. 

Dates and amounts are summarized in letters and the attached complaint. 

Thank you
Consumer complaint received 2017-04-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

In XXXX I cosigned a loan from Wells Fargo for my wife 's college tuition. I was XXXX XXXX military and was given the 5.9 % rate guaranteed under the Soldiers and Sailors relief act. While on XXXX to XXXX, Wells Fargo put the interest rate at nearly 10 % without notifying my wife or I. The loan was on automatic payment and I only noticed the change while attempting to pay off the loan in XXXX. Wells Fargo has received full payment of the loan and I believe, wrongfully collected interest on the loan.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

The loan modification was submitted to the lender on XX/XX/2017 - the lender is refusing to review the file due to an upcoming sale date - The lender is in violation of RESPA, they accepted the package and have refused to postpone the sale date to allow the review to take place.
Consumer complaint received 2023-02-13
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-10
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. (OK)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-01-31
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX after requesting my statements, I filed a XXXX claims at Bank of America EDD prepaid cardholder services for unauthorized transactions. It is now XX/XX/XXXX and my provisional credit has not been deposited for my use during the remainder of the investigation period.
Consumer complaint received 2023-05-12
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. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-10
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. (CA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked Transunion several times to remove inquiries off my credit report. I did not make or authorize these  XXXX  inquiries. I would like these inquiries to be removed immediately.   XXXX     XXXX   XXXX  - XXXX -16   XXXX   XXXX    XXXX -16   XXXX   XXXX    XXXX -16   XXXX     XXXX -16  XXXX   XXXX -16
Consumer complaint received 2016-08-24
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc. (MA)

I received a call from an " Unknown '' number claiming I was being brought up on charges for check fraud. They also called my mother. XXXX XXXX left a voicemail so I called the number she left XXXX XXXX ext. XXXX ) and tried to get information from XXXX XXXX who says she works for ARA the Process and Summons division at my XXXX District Court. She told me she was sending people to my house and every address she had on file until they found me ( I felt threatened ). She was extremely rude, told me she does n't want to talk to me to just go to court because I ca n't pay my bills and to " get off my line '' and hung up on me when I asked for a validation notice and the name of the company and address.
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C. (CA)

Never received any communication from this company. Not a letter, a phone call or any collection attempts from this company. I learned about them when they showed up as an open collections account on my credit reports. They began collections on an old XXXX charged off account from four years ago or so. It may have been an account that was discharged in my Chapter XXXX bk in 2010 for all I know. They reported this account as a new collection account and have continued to present this debt as a much newer and ongoing collection account. When I attempted to contact the company many months ago using the contact information provided on the credit report, I was unable to reach this company. The phone number was bad. I disputed the information, however XXXX of the consumer reporting agencies somehow sided with this agency and so this fictitious account remains on my reports and is continuing to negate the last two years of hard work I 've put in on rebuilding my credit. I would also like a letter of apology for misleading and harmful information the company has continued to file, or a letter reporting the true account information so that I may include this letter with any credit or mortgage application to show that I am not currently delinquent, and it will show that I have been current on all my accounts for over two years now.
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXXXXXX XXXX XXXXXXXX  an individual claiming to be from XXXX customer service had me send {$160.00} via XXXX  thru capital one. This was done via my phone as they had me log into my checking account to verify it was me to settle a dispute with missing items via XXXX order. They had me download an app where they where able to take control of my mobile phone. I immediately called capital one that same day and file D a complaint with the Federal trade commission. They informed me they would investigate, which would take 10 days and I was admittedly told the funds of {$160.00} would be credited back to my account. Now they said no. I've been fighting with XXXX and capital one since XX/XX/XXXX with doors slammed in face via the phone. The same fake XXXX scammer also debited {$100.00} as they went jnto my XXXX account and placed a {$100.00} gift card using one of my credit cards on file with XXXX in my account payments. The funds that was send thru XXXX  thru capital one doesn't even exist and the number they called from was disconnected immediately. Please help.Thanks
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed information reporting incorrectly on my credit report with Transunion File # XXXX. Transunion reported back to me that there was no change and the information would remain. However, the information is not correct and Transunion has refused to disclose there source of information or to delete the incorrect information. The information disputed was a wage earner chapter XXXX supposedly filed XX/XX/XXXX & and an chapter XXXX from XX/XX/XXXX. Pursuant to 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ) ; I demand that the items mentioned in this dispute letter be verified & deleted from my Credit Report.