davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/2023, I contacted Capital One to do a Pay for Delete for a charged off credit card. The rep stated that Capital One does not do Pay for Deletes. 

I asked the rep what were my options. The rep stated that I could make full payment or do a settlement. The original amount of the charge off is {$5200.00}. The first amount the rep asked me to do was {$3900.00} and I said no. Then, the next amount was {$3200.00} and I again said no. We finally agreed to settle the amount for {$2800.00} and paid for as agreed. 

I asked the rep to please send that agreement by email or by mail. The rep stated that Capital One doesn't do that and they only send it after payment. I told the rep again that I was requesting the settlement agreement in writing before I make a payment. The rep again stated Capital One doesn't do that.
Consumer complaint received 2023-06-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

On XXXX and XXXX I made my XX/XX/XXXX payment. for a total of XXXX for a mortgage loan monthly amount ofXXXXThis was literally a typo error. as soon as i was notified i paid more than the amount and the late fee. they never tried to contact me in the month of XXXX by phone, nor did they send correspondence till it was to late. I am, and have been ahead on my loan for years. I made an error and the company policy for Shellpoint mortgage is to report as late 30 days even if you are short 1 . the only reason a company would do this is to keep your credit score low so you will not be able to change companies. The company will not speak to me about the issue with a person who can help. They refuse to report the payment as partial, it only shows as a 100 % late and has caused me, and my business from getting loans.
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

The debt was incurred when I was taken to the hospital in XXXX of XXXX. I was using my mother 's insurance at the time and the insurance company wasn't even supposed to charge me because we'd already paid the deductible. They proceeded to send me the bill anyway, even though the bill should not have existed nor been sent to me since I don't pay the insurance premium. Then the bill was sold to the company currently holding it and they refused to remove it from my credit report, even after a dispute I filed on XX/XX/XXXX.
Consumer complaint received 2023-06-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (SC)

Hello, I have an account with Global Lending for a loan on my XXXX XXXXXXXX XXXX. 

I have attached a breakdown of the payments I've made. Currently, I am XXXX full month behind but have made continuous payments. 

The issue at hand - I get multiple phone calls a day from Global Lending. They are now starting to call my job each morning for me as well. I am attaching screenshots of the XXXX calls in the last week. I have severe anxiety and XXXX and this is harassment. I have asked them to stop and I've explained that I've already sent them payment this month and they will not quit. They are in violation of multiple Codes of XXXX.
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

In XX/XX/XXXXI took out a loan with XXXX XXXX, a division of XXXX XXXX XXXX XXXX for the amount of {$320000.00}. I was promised a low interest rate and low monthly payment, as advertised. I defaulted on my mortgage payments because I could not keep up with the increasing interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerks 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me for the amount of {$310000.00}, which is about {$9300.00} from the original mortgage amount from the original mortgage 3 years earlier. but I had already paid well over {$50000.00}. How is that possible? In XX/XX/XXXX, I received a notice of transfer from XXXX XXXX XXXX to Nationstar. I 've tired fixing the problem many times with both Nationstar and XXXX XXXX XXXX, in form of submitting a loan mod and each time I am getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
Consumer complaint received 2023-06-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IL)

I applied, and was approved for a new {$10000.00} XXXX bank CD with XXXX XXXX ( powered by Webster Bank ) XXXX XX/XX/XXXX. I noticed that {$10000.00} was taken out of my funding source XXXX XXXX XXXX XXXX the very next day ( XX/XX/XXXX ) for this CD. Then, I opened an online account with XXXX XXXX and noticed that my balance for my CD is still showing as {$0.00}, even to this day ( XX/XX/XXXX ). How come? I should have received daily accrued interest with XXXX XXXX ( Webster Bank ) through this CD since XX/XX/XXXX, when they successfully withdrew my money from XXXXXXXX XXXX. I called and talked to a supervisor yesterday at XXXX XXXX customer service, and he said that I should see my {$10000.00} balance finally appear in my CD account by XX/XX/XXXX. But this delay in acknowledging receipt of my {$10000.00} is a deceptive banking practice by XXXX XXXX, no?
Consumer complaint received 2021-06-29
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: LendingUSA (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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. Act Name : XXXX XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account below is reporting incorrectly/inaccurately on my consumer credit reports, please DELETE PROMPTLY & IMMEDIATLEY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX } reporting on XX/XX/2023 { Acct # : XXXX } - - - REASON FOR DELETION IS : Information reporting/reported is inaccurate - - - [ Account open date : XXXX = INCORRECT. ] - - - [ Original balance = INCORRECT. ] - - - [ Payment history = INCORRECT. ] - - - Furthermore, I have no knowledge or information about this account or company, they did not provide me with a copy of an original contract as requested. - - - As per the FCRA Section 611 ( 15 U.S.C. 1681I ) inaccurately & unverifiable reported information shall be promptly DELETED from my consumer credit report.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For XXXX months this loan was not on my credit. In XXXX they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( XXXX  ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of 2022. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.
Consumer complaint received 2023-08-02
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. (IN)

I took out a small loan in XXXX, made perfect payments of XXXX per month, I paid off the loan in XXXX of XXXX, six months later Transunion dropped my score, XXXX did not ; who knows what XXXX has done as they keep themselves hidden from my credit union and XXXX XXXX unless you pay. 
Last monthXXXX of XXXX, 3 years later out of the blue once again Transunion dropped my credit score when I have not touch anything to do with credit since XXXX of XXXX ; XXXX did not. As of today XX/XX/XXXX in viewing my credit score at my credit union and on XXXX I now see that XXXX has followed Transunion and has also dropped my score by XXXX points! 
In these past 3 years I've watched my credit score slowly increase which made me happy in case I need to apply for a loan or credit. 
How can they just drop my score when I've not touched anything that has to do with credit? All bills are always paid on time and I have no outstanding debt to be paid! Nothing touched since XXXX.
Consumer complaint received 2016-02-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Recovery Solutions, Inc. (NJ)

On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for XXXX and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAVALRY INVESTMENTS, LLC (NJ)

I have made an agreement with this debt collection billing company to pay off my debt. I have sent them a letter asking them to REMOVE my negative debt once it is paid off. It has been TWO months since I've recieved an answer. This is a basic right. I would like you guys to contact them and have them get this done. Please. 

I have made and agreement every XXXX and XXXX if the month I will pay XXXX $ for the exchange of this being removed from my credit. On XX/XX/XXXX, they accepted my offer. My last payment was made today XX/XX/2018. I am referring to XXXX. It also states on XXXX i owe XXXX but on their website where i make my payment it says XXXX. I want my money back if they are stealing from me. Please resolve this. This is fraud on their end. Thats a XXXX $ difference in my pocket. 

File Number : XXXX Creditor : CAVALRY SPV I , LLC, AS ASSIGNEE OF XXXX XXXX XXXX XXXX 
Total Due : {$810.00}
Consumer complaint received 2024-04-02
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I've consistently upheld punctual payments on this account, preventing any instances of overdue payments. The reports of late payment remarks on my accounts leave me uncertain. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-02
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently received my credit report and noticed an an account that was not reporting accurately. I had late payments that I was in fact paid on time the consumer report agencies need to report all information with complete accuracy. This account has not been late on payments I have attached a copy of to this complaint on the following dates XX/XX/23. I am now request you investigate and provide verifiable proof with record showing that I had late. If this information can not be verified I request these payments be updated to paid on time immediately as this is affecting my credit, and I have always been on time.Thank you for your understanding and prompt actions.
Consumer complaint received 2023-03-13
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. (TX)

i havent given credit reporting agency permission to report anything on me. this account does not belong to me and it need to be removed now. i dont know why they are reporting without me having knowledge. i dont even know if these people are legal to carry this debt in texas XXXX who are these people.i demand that these people cease and desist reporting this and even communicating with me in any way. this is totally illegal.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

For the last ten years Equifax has held up my free annual credit report. The only way I'm able to get my free annual credit report from Equifax is by filing an annual complaint with the CFPB. 

I ordered all three of my credit reports once again this year and once again Equifax has held only my free annual credit report. All of my other free annual credit reports have arrived and my wife 's Equifax credit report has also arrived with her others. Her free annual credit reports were requested at the exact same time that my free annual credit reports were ordered.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference
Consumer complaint received 2018-04-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AES/PHEAA (ID)

Called me at XXXX XXXX did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast  address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.
Consumer complaint received 2020-04-29
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: Mr. Cooper Group Inc. (TX)

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.