davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-07
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: DRB-40, LLC (HI)

I contacted DIVERSIFIED RECOVERY today, XX/XX/2011, after repeated phone calls to myself ( sometimes multiple calls per day ) as well as to family members -- in order to request their address so I could send a registered-mail written request to cease & desist phone contact as well as to request a written notice of the debt. 

I was abruptly interrupted & asked if I was going to pay this debt. I responded that I was not going to have that conversation at this time & repeated my request. I was again interrupted & the agent began shouting at me, disregarding my request & asking me if I was going to pay the debt & why I was n't. I requested their address a third time & stated that I would be contacting the FTC, at which time the agent said she was transferring me to a manager. At this point I hung up & called FTC. 

The agent did tell me that the debt was in the amount of {$6800.00} / XXXX, which according to stale debt/time-barred legalities, exceeds the statute of limitations as this account was closed & has not been paid on for at least seven-years.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC. (CA)

XX/XX/XXXX Dear CFPB, My name is XXXX XXXX and I want to dispute a hard inquiries made on my credit report XX/XX/XXXX by XXXX XXXX XXXX XXXX 
This hard inquiry was made by a car vending company called XXXX, who said that they needed to run credit checks, which counted as hard inquiries against my credit, to qualify for a car purchase. 

After I agreed and they ran the credit check, which counted as a hard inquiry on my credit report, I was informed that the car was no longer available so I chose to not work with this company and purchased another car from another company and financed it through another bank. 

As a result of XXXX misleading auto sales practices, I now have 5 hard inquiries that are significantly impacting my credit score and I would like them removed immediately. 

After reading reviews about XXXX, I discovered this agency has very questionable integrity. 

Thank you for your prompt support in removing these inquiries, so I can enjoy the comforts of a good credit score that I deserve. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-21
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. (SC)

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1.00}, XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : TransUnion is reporting XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXX High Credit : TransUnion is reporting {$1100.00} and XXXX show XXXX, and XXXX show {$1100.00} Lasted Reported : TransUnion is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : TransUnion show XX/XX/XXXX, XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to Metro 2 Guidelines it MUST be delete. 

This is a violation of the FCRA and is also in violation requisite METRO 2Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Consumer complaint received 2024-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (OK)

My mortgage has been purchased and sold several times. My current loan servicer is " Mr. Cooper by XXXX. '' I pay my loan through bill pay out of my checking account with XXXX XXXX Bank. 

I send this payment automatically each month on the XXXX of the month. 

I have noticed that each month the effective date is soon after this XXXX date, between the XXXX and XXXX of the month ( the later date due to weekends I believe ). 

However, this payment is not applied to my account until many days later. For example, my XX/XX/XXXX payment was " effective '' XX/XX/XXXX but " applied '' on the XXXX. My XX/XX/XXXX payment was effective XX/XX/XXXX but applied XX/XX/XXXX. The worst this year was for my XX/XX/XXXX payment ; it was effective XX/XX/XXXX but not applied until XX/XX/XXXX -- 14 days later. 

When I asked about this, the representative of the loan servicing company blamed my bank for the delay. However, this money is taken out of my account on the XXXX of each month. To remedy this situation, the representative wants me to give them my bank account number and routing number so they can automatically pull the funds out of my account each month. I do not want to give them this ability. 

I can not get a good explanation for the delay is crediting my account for the funds I have sent and frequently posting the payment well after the due date, even though it was sent and received well before that due date.
Consumer complaint received 2023-02-03
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. (NY)

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 framespecified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (OH)

On XX/XX/year> company NTL Recovery Agency reported a debt in the amount of {$1400.00}. XXXX last reported of this debt was on XX/XX/year>. I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to NTL Recovery Act. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 
1692 ( c ). 
Thank you for your attention to this matter.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I received a payoff from XXXX of {$17000.00} on my credit card account. I then paid {$17000.00}, 100.00000 % of the payoff amount quoted. Note, not 99.99 % of the account but PAID OFF TO THE PENNY. XXXX however provided an incorrect payoff amount to me. They later provided {$17000.00} which was the correct payoff amount. Hence the amount I was provided earlier was {$20.00} too low, an incorrect amount. As soon as I knew that we underpaid XXXX, I immediately paid the {$20.00} which obviously was not an issue given that I had just paid such a large sum. XXXX then reported to all credit bureaus the late payment of {$20.00} which we paid them 59 days after we learned they had given us an incorrect amount earlier. Paid in full should be paid in full. Our request of XXXX is to note that the " Consumer disputes late payment '' to allow the credit bureaus to not count this " late '' payment in our XXXX score. XXXX should not be allowed to give 100 % payoff amounts and later punish consumers for their mistake. This is factually and morally wrong. 
XXXX agreed that the payment was in full and refunded my payment of the {$20.00} - see attached file.
Consumer complaint received 2023-03-21
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

Wanted to cancel a charge for a purchase that went through as a recurring yearly charge. When I purchased the ski pass fir XXXX I was not aware that it would be recurring charge in the future. I contacted the company XXXX, and they claimed that it could only be cancelled for specific reasons through a third party entity. It seems that I will never be able to cancel this pass whether I want it or not. This charge was for a ski pass and I tried to cancel it in XXXX way before the season even started. The credit card company, Barclay is siding with XXXX. The charges are {$570.00} and {$50.00}. 
XXXX is being Draconian with their position. Barclays is preferring to side with the big corporation rather than their customer.
Consumer complaint received 2022-12-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

You wouldnt help me when I filed complaints but now you have been awarded XXXX XXXX! 
I better see at least XXXX of that!! I kept asking in all my complaints about the accounting and when they gave it, portions were missing. Your response was its what they sent. How in the XXXX is the banks getting away with all this!! 
I was audited by the irs in XXXX for the amount of interest I paid IN THAT YEAR and Wells Fargo said I only paid XXXX but I paid closer to XXXX! So I had to pay almost XXXX in a penalty. 
So Wells Fargo finely gave a full accounting to the bank they sold my loan to in XXXX I received a copy and they applied interest I paid in XXXX to XXXX and XXXX. Well I dont get to go back and claim that interest because I didnt make any payments on my loan thats why I was in state court for 4 years and 3 XXXX XXXXXXXX, yet Wells Fargo gets to claim it with out showing it and that should be enough to throw them in the out of business line!
Consumer complaint received 2017-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

I am still having a problem with a XXXX XXXX XXXX and XXXX from complaint XXXX. Ditech has been shut down and still has not resolved the {$5800.00} that was paid to XXXX just before Ditech took over loan. {$5800.00} was paid to XXXX which over paid any money owed. XXXX cashed the check. When loan was transferred to Ditech, they claimed we were 3 months behind. No. The {$5800.00} was for any late payments plus extra to XXXX. That meant that when Ditech took over I started with a clean slate and should have transferred the extra {$230.00} out of the {$5800.00} to Ditech. Ditech received every payment for the year plus that they had my loan. None were late payments and extra was paid with each payment. Now the new loan co., XXXX, is left with the mess. All I have gotten from Ditech is, " We are looking into it, '' letters ( 3 ). Time to hire a lawyer? Also, XXXX would like to have a copy of the original letters that I wrote from XXXX which I do n't have access to. XXXX went under, now Ditech, what 's next? Sounds like a scam and run outfit. All owned by the same person/people/corporation. XXXX is most likely owned by the same people/corp. Please refer to XXXX, all docs are there.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

I contacted XXXX apartments in XXXX to lease an apartment. I paid a deposit and decided after walking the property that it was inadequate. I asked XXXX to return half of the deposit which I was owed by law. They refused so I filed a dispute with my credit card company ( XXXX XXXX ). 

Eventually they return my deposit, and a check was cut from their billing company from XXXX XXXX XXXX XXXX XXXX. in the amount of {$200.00}. I cashed this check with my bank and then called my credit card company to release the funds, in full, back to XXXX. 

This dispute has been resolved ; however, I received a call from Rent Recovery Solutions stating that XXXX did not receive payment from my credit card company. 

I asked the rep to verify the debt and did not receive a debt verification letter. The representative told me she did not receive my paperwork that showed copies of the correspondence from my credit card company, bank, and a copy of the check XXXX sent to me which I cashed. I sent the paperwork via XXXX  with a signature required. It shows as signed and delivered. 

Previously, before dealing with Rent Recovery Solutions, I dealt with XXXX 's billing company for 4 months ( XXXX - XX/XX/2022 ), with endless calls asking for payment.
Consumer complaint received 2023-06-16
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. (AL)

I asked the credit bueros to do a verification on my credit report and they stated they did and everything was accurate. I also did thorough research as well and found improper inaccuracies on my credit report even after they did their verification and stated everything was accurate. 

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 XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act, these companies have violated my rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1691 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (PA)

The companied lied for the reason for denial. 

My credit score is XXXX, the highest possible, SEE PAGE 2 OF THE ATTACHED. I have a credit established for over 22+ years.

PLEASE RECOSNIDER AND OPEN MY ACCOUNT.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX and my wife submitted a complaint regarding my Walmart Credit card on my behalf because she handles all the bills. I was receiving phone calls from Wal-Mart and let my wife know, but when she contacted them, the automated system advised that there was not a payment due until X/XX/17. A couple more days passed and I was still receiving calls so my wife and I called Wal Mart ( actually XXXX XXXX on b/o Wal Mart ) who advised that we had a past due payment that was due XX/XX/XXXX. Granted they were sending emails to me at an email address that I no longer use, however, I still feel that we acted in good faith by reaching out to Wal Mart. We spoke with XXXX on XX/XX/XXXX who admitted that the automated system was having issues, but that they sent us emails and letters. While I understand this, I still feel like there are so many ways to communicate nowadays, and my preferred method is to make a phone call, not read mail so much seeing I get so much of it and am on the go a lot, and any reasonably prudent person would not think that a reputable multi-billion dollar company such as Wal Mart or XXXX XXXX would not have an automated system that did not function properly. I have attached the automated system recording as proof that it provided inaccurate information to us. They have reported us to the credit bureau which we also plan to dispute as we are in the process of a new home purchase and things like this can potentially impact our credit.
Consumer complaint received 2020-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Accounts, LLC (GA)

Company is still reporting to XXXX, XXXX, and XXXX of a debt that was included in bankruptcy chapter XXXX. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Garrison Investment Group (VA)

Foundation Finance erroneously opened a loan account as a third party lender for deck repair by XXXX XXXX XXXX XXXX. I was informed XXXX that the loan had been denied. In XXXX, XXXX made me aware that if there was not a verification call with Foundation, that the loan would be voided ( there was no loan to begin with ), and we would have to pay them directly. I do not have a loan, and did not complete the loan process with Foundation. I've asked Foundation to remove this account, and they've refused.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX reported a car loan on my credit report for account number beginning XXXX, opened on XX/XX/2023, even though my wife owns the car and is the primary lienholder. According to the definition of cosigner in 15 USC 1650 ( a ) ( 1 ), a spouse is excluded as a possible cosigner. Therefore, the loan should ONLY show on my wife 's credit report ( which it does ) and should be removed from my credit report. Furthermore, 15 USC 1681 section 604a section 2 states that a consumer reporting agency may furnish a consumer report only per the written instructions of the consumer to whom it relates. '' XXXX XXXX and the credit bureaus do not have my consent to furnish this information, written or otherwise. Any consent to XXXX, XXXX, Transunion or to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise, is revoked.
Consumer complaint received 2022-12-21
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"