davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Management Solutions LLC (OH)

The company called from XXXX, stating that I owed around 1200 in a loan from XXXX that I never applied for and threatened to take legal action. They stated that I received a loan in the amount of {XXXX} deposited into a XXXX account that I never had. I called XXXX and they have no record of me and stated that I would have to live in Georgia or Florida. Which I live in Ohio and have always. The loan was supposed to be taken out in 2014. I have never applied for a loan from XXXX and now people are scamming the public.
Consumer complaint received 2023-06-07
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. (FL)

Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (IL)

I have a loan account with world finance. We have been trying to make arrangements. But I have been told I have one week to make a payment. I haven't worked in a month I do receive XXXX benefits but it only {$530.00}. Just enough to pay my bills and rent. If they take their money from my account I won't be able to pay my rent. I'm trying to sign up for unemployment with no luck, I haven't received my stimulus check. I don't have any money at this time and with the stay at home order. What can I do am asking for more time.
Consumer complaint received 2020-06-15
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: Possible Financial Inc (TX)

I spoke to manager XXXX in the customer success department. She assured me on XX/XX/2020 that both XXXX and XX/XX/2020 ( Which I have in writing from XXXX XXXX late fees will be removed from my credit report effective XX/XX/2020. I noticed within a few days from XX/XX/2020 the late fees were removed and they then returned again. I sent out another email asking for a phone call from XXXX which I still have NOT received a phone call from anyone from this company yet explaining the issue and when I can expect the LATE FEE to be removed from both XXXX and XXXX. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS As a consumer I expect Possible financial to stand by their word and remove the late fees for XXXX and XX/XX/2020 as agreed by XXXX on XX/XX/2020. The company expects on time payments and I expect and trust that XXXX or the management staff at Possible Financial to be held accountable for the word. I need these Late Fees removed immediately from my report, I will not give it another month ... They need to have it done rapidly with in days of receipt of this letter THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Please REMOVE the LATE FEE as agreed between XXXX and I on XX/XX/2020. Immediately
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX 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
Consumer complaint received 2024-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (TX)

XXXX years ago we requested that our two separate parcels that our house sits on be combined under one for property tax and homestead purposes. Finally at the end of XXXX  they agreed to go back 3 years and combine and then reassess and determine taxes. Money was refunded and sent back and moved around. I have contacted the Chase Tax Team since then and several time there after to discuss this because I know that anything showing that is owed would come from my escrow account. I have been in touch with the County taxing authorities as they have been delayed in fixing the accounts. I have been involved with this on a daily basis just trying to get them to fix the accounts. Yesterday Chase depleted my escrow account to pay the taxing authorities without contacting me or reading my previous notes in my file. The tax authorities are not finished. With this depletion and any end in site, my payment will double and I will not be able to afford my mortgage. I spoke to Chase Tax Team and they have the authority to do and pay whatever they want if the tax office posts that I am past due.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-01-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

Ad Astra Recovery is still reporting and trying to collect a debt amount of {$290.00} for a payday loan from XXXX XXXX who already was paid in full directly. Ad Astra needs to be removed from my credit file immediately upon this information. I do not owe Ad Astra any money at all and it is invalid and fraud for them to continue to attempt to collect money for a debt I do not owe.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I applied for a credit card from XXXX XXXX XXXX, it was sent to me, then I was directed to the fraud dept, I tried three times to call them, put on hold for over an hour each time!,, I then received a decline letter from them, stating that they weren't going to issue the card even though I had it in had, I then shredded the information and the card. 
I now see where this is showing up on my credit report, I DO NOT HAVE a XXXX XXXX XXXX Credit card. 
If you can see someway to reach this company I would greatly appreciate it!
Consumer complaint received 2023-06-07
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)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that XXXX XXXX XXXX  absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (CA)

The credit agencies were notified VIA CERTIFIED MAIL on XX/XX/XXXX that I was disputing two items ( XXXX ) on my report. The mailings were confirmed received. They were also notified via regular mail, per CA Code of Civil Procedure 1013, " Service is complete at the time of deposit ... '' NO ONE RESPONDED. I then notified the agencies on XX/XX/XXXX that I had not heard from anyone and that their time to investigate was up. 

THEY ARE NOW RESPONDING TO THE CFPB THAT THEY ARE EITHER CONDUCTING THEIR INVESTIGATIONS NOW = TOO LATE OR THAT THEY HAVE PERFORMED THEIR INVESTIGATIONS AND THE CHARGES STAND. THESE INVESTIGATIONS HAPPENED AFTER XX/XX/XXXX, AFTER THE 30 DAYS THAT THEY ARE ALLOTTED TO DO AN INVESTIGATION, PER THE FAIR CREDIT REPORTING ACT, HAD EXPIRED. 

MAKE THEM RESPOND BY GIVING YOU THE SPECIFIC DATE ( S ) OF THEIR INVESTIGATIONS. IF THEY ARE AFTER XX/XX/XXXX, THEN THEY ARE BREAKING A FEDERAL LAW!
Consumer complaint received 2020-04-15
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 (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-08-04
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: EQUIFAX, INC. (CA)

The credit agencies were notified VIA CERTIFIED MAIL on XX/XX/XXXX that I was disputing two items ( XXXX ) on my report. The mailings were confirmed received. They were also notified via regular mail, per CA Code of Civil Procedure 1013, " Service is complete at the time of deposit ... '' NO ONE RESPONDED. I then notified the agencies on XX/XX/XXXX that I had not heard from anyone and that their time to investigate was up. 

THEY ARE NOW RESPONDING TO THE CFPB THAT THEY ARE EITHER CONDUCTING THEIR INVESTIGATIONS NOW = TOO LATE OR THAT THEY HAVE PERFORMED THEIR INVESTIGATIONS AND THE CHARGES STAND. THESE INVESTIGATIONS HAPPENED AFTER XX/XX/XXXX, AFTER THE 30 DAYS THAT THEY ARE ALLOTTED TO DO AN INVESTIGATION, PER THE FAIR CREDIT REPORTING ACT, HAD EXPIRED. 

MAKE THEM RESPOND BY GIVING YOU THE SPECIFIC DATE ( S ) OF THEIR INVESTIGATIONS. IF THEY ARE AFTER XX/XX/XXXX, THEN THEY ARE BREAKING A FEDERAL LAW!
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I open my account with XXXX XXXX XXXX  back in XX/XX/XXXX-XX/XX/XXXX, in XX/XX/XXXX I tried to use my ATM card and I was notified that my transaction was declined, I went to XXXX XXXX XXXX  and they told me there is garnishment for some apartment company that has garnished my account and my account has been froze, I asked to provide me with the information of the company who garnished it, they told me that they will sent me those information to me when they get it from corporate office, as of today XX/XX/XXXX I still have not received any information regarding this, since then XXXX XXXX was purchased by Capital One Bank and I have gone to XXXX XXXX branch 2 times to close this account and I have been unsuccessful and last time I was in that bank they gave me number for the company that supposedly garnished my account and that number did not work. for years I have been receiving my statement showing they are charging my account monthly service charge fees and i am not able to get my money from XXXX till now to be withdraw, i received letter back in XX/XX/XXXX stating I have not used my account in last 3 years and either go to office withdraw or sign and sent attached documents which I did both and again they run me around, since that letter I have been getting my statements and most recent statement is from XX/XX/XXXX till XX/XX/XXXX still showing service charge fee and my money continue being reduced since year XXXX and now shows that i have {$830.00}. 
it has been over 20 years, this bank has been taking money from my account, no documents has been provided to me regarding garnishment from year XXXX for any apartment leasing, i have owned my properties and paying mortgage since XXXX and current home that i reside is since XXXX, since XXXX I have bought 4 homes and never been any issue with getting loan ad any one of the telling me that there is garnishment against me. I am not sure why this bank continue lying and deceiving me but I need my money return from year XXXX with all interest that I earned from that time. 
I have attached all the documents that could find uploaded in this email
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Good morning My name is XXXX XXXX XXXX on XX/XX/2020 XXXX I called Wells Fargo to report a lost or stolen debit card and disputed a unauthorized charges with debit card of mouth XXXX was on that time the unauthorized charge was pending Wells Fargo saying going to call XXXX XXXX to canceled the charge On XX/XX/2020 Wells Fargo send a latter says I did the charger was ma make by me because the use my name explaining the charge was done on XXXX XXXX   online and I did a police report because I did not make any purchases online or person and the card was lost or stolen.
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

My Mortgage was with XXXX and was sold to Shellpoint Mortgage XX/XX/2020. I have not been able to make a payment online nor have I been able to reach anyone by phone. When you call they transfer you several times to several different numbers and you never get an answer. No statements have been mailed to me to make a payment through the mail.
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

On XX/XX/XXXX, a request for a subordination agreement was placed to Shellpoint Mortgage. As of today, there has been no updates provided after numerous emails and phone calls made. This subordination agreement is VITAL to being able to refinance a mortgage and the rate lock is going to expire by XX/XX/XXXX. NUMEROUS phone calls and emails have been sent to the subordination department at Shellpoint and no one has been able to provide an update. I have attempted to contact XXXX XXXX who is the subordination agent and there has been no call backs or returned emails.
Consumer complaint received 2020-04-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (AZ)

On XX/XX/15 I called Home Point Financial ( my mortgage servicing company ). I inquired about a deferral where my mortgage payments could be added to the back of the loan. The individuals ID I spoke with was XXXX. She said they could offer forbearance with a lump sum due at the end of the period. She said Home Point Financial is not allowed to offer deferrals as it " alters the terms of the loan '' and is against the law. I am an XXXX  XXXX and my hours have already been cut significantly and I anticipate my hours to be cut more or even reduced to XXXX due to the COVID19 impact on the client I work for. In addition, since I bill under an XXXX I can not collect unemployment. My loan is a VA loan and as I understand it, mortgage payment deferral should be an option for me. Please help. I am willing to provide whatever information you need to assist. 

Thanks
Consumer complaint received 2020-04-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I contacted Equifax over the phone about a unauthorized hard inquiry that was made by XXXX XXXX XXXX on my Equifax credit account in XXXX of 2019. I needed assistance in investigating this manner and told the agent that I would like to submit a dispute and the agent denied me my right to submit the request for investigation. 
He gave me the go around when I told him I did not have an account with XXXX XXXX XXXX and that I live in a totally different state then where the unauthorized inquiry came from and when I did some searching of that branch from that address they had been shut down for creating fake accounts. They attempted doing this with my information thus the hard inquiry occured. Given this information the agent still insisted on not helping me with this stressful situation. I asked him for a confirmation number for the dispute to investigate and was denied because he simply would not which is infringing on my rights.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX $ ATM withdraw shown on my statement I did not withdrawal any money on this day and i filed a dispute transaction with Wells Fargo Bank with no success, Iam on SSi payment and I can not afford loosing near all my month money I am behind on my bills .Please help
Consumer complaint received 2020-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TN)

SunTrust mortgage also known as Truist is taking advantage of their mortgage holders during this time. Covid-19 has devastated us during this time. I have called their help line for weeks now with no answer. I have been on hold for a minimum of 4 hours each time. And sometimes it just hangs up on me after holding that long. I went online and the only help they will offer is 3 months forbearance. And you have to pay all 3 months back plus your 4th payment to come current. How is that help at all? People are going to lose their homes because they refuse to defer the 3 payments to the end of the loan. They need to be investigated.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX  - Account Number : XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc. (TX)

On XX/XX/2022 I disputed the account with American First Finance. As I looked over the documents I noticed that I was never provided the legal disclosures such as the Truth in Lending disclosures and others. By law, American First Finance is required to provide that to me. I am now requesting this account be deleted from my credit reports due to the many violations of the FCRA, Truth In Lending Act and more.
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

We have been hearing rumors that Capital One is closing in our area. Since we are very unhappy with the level of customer service they provide, we have recently opened an account with a local bank ; however, this takes time due to direct deposits and drafts. My Social Security check is issued the third Wednesday of the month ( today ). I call the bank on on the morning of the deposit to make sure it is record it accurately. This morning I called the automated system and was electronically told I can not access my account information. Can they do that? Withhold that information from me? What about my money? I need to pay my bills today and I have been on hold for half an hour trying to speak to someone. I called FDIC and they said to contact you. Please help me. This situation is stressful enough for old people without Capital One trying to steal our money. Thank you.
Consumer complaint received 2020-04-15
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc. (CO)

So my XXXX year old wanted to get some air, we let him go in our front yard, thinking no one would dare come within 6 feet of him during a pandemic. However, XXXX XXXX XXXX sent a man to my home to deliver a collection letter and HANDED IT DIRECTLY TO MY XXXX YEAR OLD CHILD, risking the health of my family!!!! Most likely because we have a cease and desist on the phones due to all the dialer calls. Couldn't he just have posted it on the door, or walked to the garage door to tape it up?!?! My XXXX year old asthmatic grandmother lives here. CPS couldn't even wait for stimulus checks to drop before risking the health of my family, also our balance is now XXXX since the stimulus check came today. I am going to do everything I can to get our car loan out of their hands. As a former XXXX XXXX, I can fully accept standard debt collection practices under normal circumstances, but not in the middle of a pandemic!!! That is so risky and I hope they have not infected other households!!!!!