davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is providing inaccurate information regarding my credit report including XXXX credit agencies. unauthorized information needs to be removed immediately due to inaccurate information in the following sections comments, date last active, last reported, high credit, month ( term ), and account type. this information in false and inaccurate and needs to be removed immediately
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Why can't XXXX 's accept a cashier check made out to them from my account at their store? It's legal tender! 
I only got the cashier check after Capital One was unable to process a phone payment although my bank stated I had no problems on their side. Capital One was supposed to do the same XX/XX/XXXX but I guess the same thing happened, but they never told me and it was a time sensitive closing total. Now they are tacking another {$400.00} to my account! I walked the payment into their store after I got a cashier check because I'm not trusting them with cash, but I couldn't pay them because the store is unable to accept this form of payment. Why? Now my cashier check is in the mail. I spent several phone hours, then a bank hour getting the check, then I had to drive to Idaho to XXXX 's, I live in Washington, only to find out they couldn't accept payment. Cashier Checks are legal tender! Why doesn't Capital One accept it? ( fyi, you couldn't pay me to open another Capital One account! I closed this one! ) I wish to file a formal complaint.
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

This debt collector company by name, Credit Management LP is falsely representing that I owe the sum of {$59.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
I have never come across the name of XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, let alone order or request any service or product from them. I have also never received any bill from this XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
I received only one debt collection notice from Credit Management LP and this was dated XX/XX/22. 
I responded to them asking for details of this unknown debt and requested VERIFICATION AND VALIDATION amongst other details. 
Credit Management LP responded with only the same information they alluded to in the only other letter they sent to me earlier, to the effect that XXXX XXXX XXXX XXXX is the creditor and the only other information they provided apart from the name of the creditor is the po box XXXX XXXX XXXX XXXX XXXX. 
They incredulously stated that they are referring me back to the validation information they provided in the same letter they sent earlier dated XX/XX/22. This so called validation information they are referring to ONLY provided the name of XXXX XXXX XXXX XXXX, and the amount owed {$59.00} as of XX/XX/22. 
As if the foregoing is not enough, Credit Mangement LP. have subsequently sent this false debt information to the Credit bureaus, without providing any validation of the debt.

Credit Managment LP indicated in their only response letter, that if I sent a written requent to them asking for validation of the debt, they will be sending follow up correspondence to me. As of today, XX/XX/22 no correspondence have been received, and yet they have rushed the so called debt to the Credit bureaus!!!
Consumer complaint received 2022-09-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

their is a collection on my report from XXXX XXXX stating I owe an XXXX bill. I mailed them directly disputing this in which they never responded and never reported the account being in dispute. The letter stated I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Consumer complaint received 2022-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX has violated my rights. 

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XXXX, I sent a letter to your company informing you that there was an account missing from my credit report that should be reporting. The account is XXXX XXXX XXXX XXXXXXXX Authorized user ; Credit limit {$30000.00} ; Open date XX/XX/2021 ; Contact XXXX. This affecting my credit as you know by not having this opened account report to all 3 credit reporting agencies. XXXX is reporting this account, so I am confused why XXXX and Equifax have failed to update my consumer report. I am requesting that you please include the additional information attached to my credit history report. I am an authorized user on a XXXX XXXX XXXX for my family member and you are not reporting this information. You may verify this information with the source, and I have included their contact details. According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history be added.
Consumer complaint received 2023-06-15
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. (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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 an 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items ASAP.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX which is also listed with an incorrect dates XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc. (IL)

Midstate collection has reported information to my credit report that states that I owe {$800.00} this company sent me a bill or a copy of a bill. This does not constitutes as proof of debt owed. I did not sign a contract with midstate collections and did not give them permission to report my personal information. They have continuously violated my rights. This is a notice that I do not give this company consent to report my personal information. I demand that my personal information be deleted immediately.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (FL)

My SAVE program application has been in process since XXXX. After an administrative forebearance my loan application status has not changed. I applied for forebearance on XXXX to take effect on XXXX. That application has not been processed either. Ive sent two messages asking what a reasonable timeline for each would be and have had no response. Ive since been making payments at the higher payment amount. My wife uses XXXX and her SAVE program application was approved in two days. Our household income is the same. I dont understand why itd take a different servicer over two months to process an application for the same household.
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CO)

XXXX XXXX XXXX, Colorado, allegedly purchased my credit card debt from Citibankn in XXXX. I defaulted in XXXX. I received one letter from an attorney representing XXXX XXXX XXXX  then a month later a suit was filed against me in XXXX. I never received any documentation showing proof of the debt purchase. Out of fear, I didn't attend the hearing. A default judgement was issued and the judge awarded 27.24 % interest based on a sample credit card agreement presented by the Plantiff. It was not my credit card agreement. I wasn't informed of the decision to award 27.24 % instead of the statutory rate of 8 % for Colorado. Shortly thereafter the case was assigned to another attorney. That attorney firm, XXXXXXXX XXXX XXXXXXXX, called me at work and harassed me attempting to scare me with the amount increasing rapidly. Despite my calls to XXXXXXXX XXXX XXXXXXXX attempting to settle the debt when it was XXXX XXXX they refused every offer I made and never gave me a counter offer. They made no real attempts to settle for anything but less than the full amount. ( the default was XXXX XXXX ). Then they stopped contacting me all together. I didn't hear anything again from them since XXXX. In XXXX they revived the judgement at XXXX XXXXXXXX but still made no attempts to settle. In XXXX, my case was assigned to yet another attorney. This current attorney also asked me if I could make payments or an offer. I did and he didn't accept it. I didn't hear anything from him until a year later when he requested the judgement be revived. The judge awarded the revival to the Plantiff and now the debt is XXXX XXXX. This attorney has vowed to continue to revive and pursue judgement for as long as it takes. My major complaint is that I believe with collection efforts being minimal and refusing to accept any offers, they were intentionally building interest as they knew that at that rate, this debt could escalate to a significant amount of money, and it has. I believe this was a strategy and intentional hoping that they could capitalize on any potential assets I may have at a later date. I believe this to be a very abusive practice, not only refusing every offer I made but no contact for over 10 years. The judge in the revival hearing even mentioned that he believed this is what happened, without my even prompting him. I am now in a position where the debt they're pursuing isn't even realistic and they are continuing all of their collection efforts, including a garnishment of my wages. I can't even believe I'm in this position as I made multiple attempts to resolve this many years ago. The current attorney has vowed to continue collection efforts for as long as it takes. Meanwhile, the interest is accruing as I type this and I am now at a point that reaching an agreement that is within my means is impossible, even 30, 40 or 50 % of what I'm showed owing isn't a realistic goal for me.
Consumer complaint received 2023-06-15
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2022-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

On XX/XX/22 an inspection was done on my home. The result didnt come in until XX/XX/22 Along with many unreturned calls Its XX/XX/22 and no dispersement or calls have been made to me. 
I also recorded over a dozen of calls and filled a record book half way.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I realized that this account was a result of an identity theft that took place and this person was making payments on the account since XX/XX/XXXX. My voice was impersonated along with my computer being stolen and this same person opened up other credit cards along with other loans. This has impacted me greatly in terms of getting employment, a vehicle and an apartment as I have been homeless for a year. I just want this to be over with so that I can move on with my life and this problem has caused me great mental anguish.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (KS)

I was notified on XX/XX/2023, by Mohela that my student loans had been forgiven. I visited my Mohela online student loan account and the balance had been reduced to {$0.00} and status updated to paid off. 

I have been waiting for 4 months to see if the student loan balance would come off any of my credit reports. It has not. 

I contacted Mohela by email onXX/XX/2023. They responded today ( XXXX XXXX ) with a " blanket '' statement saying that they update credit bureau information monthly. However, that can not be otherwise the student loans would be off my report back in XXXX or XXXX and they are still on my report. 

I was told that I should wait three months to give it time to resolve. However, as of XXXX and more than 4 months, the student loans are still listed on my credit reports with the old outstanding balandce.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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  XXXX Account Number : XXXX Account Name : XXXX  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 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NC)

Paid rent on XX/XX/XXXX via XXXX XXXX online as I have done without issue before. Rent check showed as delivered and deposited within a few days. On XX/XX/XXXX, I received a text from my landlord that he had not received rent check. After some discussion, we determined that it must have been stolen from his mailbox or during transit. The proof of payment provided by Chase clearly shows the check was endorsed by someone other than my landlord, they signed it with a completely different person 's name.

I called Chase to let them know a check had been stolen and deposited by someone who was not the payee. After hours of being transferred between different departments, they opened a claim, Claim # XXXX, and issued a temporary credit for the amount of the check, {$2600.00}. 

A few days later, they emailed a PDF with an affidavit for me and my landlord to fill out to describe the issue and attest to what happened. We both filled it out, and on XX/XX/XXXX, he faxed it to the fax number listed on the claim form, which belongs to the Chase claims department. 

On XX/XX/XXXX I received an electronic letter from Chase stating that my claim had been closed, that they had determined the check was processed normally, and that they would be debiting the previously refunded amount from my account. I called to let them know this was in error, and they said that because they had not received the affidavit, they were closing the claim. I let them know when and where the claim was faxed to, but they claim to have never received it.

They are now opening a new claim, but with no refund given for the stolen check, and are saying that the investigation process will take 90 days, upon which I may be given a refund if the claim was determined to be valid. I have to go through the affidavit process all over again, and take further steps to ensure that they actually process the form once it's been faxed and mailed once again.

This is a nightmare, and I am out {$2600.00} because someone stole the check I sent via Chase XXXX and deposited the check, with an endorsement that is clearly not the signature of the payee. On the CFPB website it states that banks are responsible for ensuring the check endorsement matches the identity of the payee. That did not happen here.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.