davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
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. (FL)

id theft victim XXXX XXXX XXXX not my account discharged chapt XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX  XXXX not my account
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (VA)

XXXX debt was paid off through an attorneys office, and payments made as agreed with them. 

Months after this, I received letters from a different collections company about the same debt. I disputed it since they had added that to my credit report. It was taken down. 

Today XX/XX/2021, the same collections is again trying to collect for the same debt. ( South west Credit Systems ).
Consumer complaint received 2019-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

A debt to hsbc was paid as of XX/XX/2014 to XXXX XXXX, with XXXX XXXX  XXXX  showing as the owner of the debt. Today I was threatened with legal action on behalf HSBC by a company at XXXX. They refused to answer what state their lawn office was from. The attorney on the case was not available. The account number they had did not match my records. This is the second time I have been threatened with legal action.
Consumer complaint received 2019-12-17
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. (TX)

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Account # XXXX for XXXX XXXX  ... Amount {$130.00} for an authorized/unknown utility.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (OK)

I received a letter online that I'm sure is not really from Chase. There is a link in the email to click on ( which I didn't ) and it says it will explain the issue further. I logged into my account through the normal portal and there was no issue with my account. They are pfishing for people 's information and it makes me so mad!!
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

Did not consent to the following lenders pulling my credit report : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX XXXXXXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/20XXXX XXXX XXXX Inquiry Date : XX/XX/2021
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-01-02
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. (TN)

On XX/XX/XXXX I pulled my Transunion consumer report and noticed some accounts that were not permitted to be reported, and which I contested, and Transunion deleted dated issued XX/XX/XXXX. By them deleting the collection accounts they are held civilly liable for the violation in which my reputation, character, and ability to obtain credit have been damaged. Pursuant to 15 U.S.C 1692.

Here is a list of the violations as shown in the letter attached : 15 U.S.C 1692e 2 ( A ) 15 U.S.C 1692e 14 15 U.S.C 1692c 15 U.S.C 6802 a 15 U.S.C 6802b 1 15 U.S.C 6802 b ( A ) 15 U.S.C 6802 b ( B ) 15 U.S.C 6802 ( C ) 15 U.S.C 1681b ) 15 U.S.C 1681b ( A ) 15 U.S.C 1681b ( A ) 2 15 U.S.C 1692j 15 U.S.C 1611 U.S.C 45 CFR 164.502 ( d ) 15 U.S.C 1681a 4 15 U.S.C 1681a 3 ( a ) ( b ) ( c ) 15 U.S.C 1681b 4 I am demanding monetary relief in the sums of {$16000.00} from Transunion. 

Attachments Affidavit of truth XX/XX/XXXX Investigation Results XX/XX/XXXX Updated credit report with the deleted collection accounts XX/XX/XXXX Invoice sent XX/XX/XXXX XXXX receipt stamped XX/XX/XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was given an auto contract that did not included the finance charge pursuant to 15 usc 1605. Bank of America has been sending me statements with attempts to coerce me to make payments, which is a violation of 15 USC 1692j and 15 USC 1692e. they also did not include my rights to rescission. pursuant to 15 USC 1635.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

We kept getting letter from Shellpoint Mortgage about a Streamline Mortifications this started in XX/XX/XXXX the first letter came. 

We spoke to the first point of contact XXXX XXXX over a course of 2 months he knew no payments where being made monthly since XX/XX/XXXX. 
XXXX XXXX I and customers service left him a messages and emails XXXX XXXX I and customers service left him a messages and emails XXXX XXXX I and customers service left him messages and emails Mr XXXX arranged all the papers and told us to pay our first month mortgage payment XX/XX/XXXX was the first payment XX/XX/XXXX XX/XX/XXXX we did on our XXXX bank   account. 

We never got a phone call after making the payment so I reached out to Mr XXXX and he never returned my phone call. 

On XXXX XXXX I got a letter stating u can not get a Streamline Mortifications. 
I kept calling trying to find out what happened to Mr XXXX no answers. 
So I asked customer service can I speak to someone else I then got a another point of contact XXXX XXXX She told us the same thing yes we can have a Streamline Mortifications and save your home on XXXX XXXX our first payment is XXXX XXXX XXXX XXXX XX/XX/XXXX I started calling Shellpoint Mortgage because she never reached back out to tell me anything because she told me she was going to call me if something happened that would stop me from getting help. 
On XXXX XXXX I was told again no you can not do a Streamline Mortifications but you can do a payment plan But Ms.XXXX was the only point of contact I can get to help me no one else again just like Mr.XXXX XXXX XXXX I and customers service left her a messages and emails to call me back XXXX XXXX I and customers service left her a messages and emails to call me back XXXX XXXX I and customers service left her a messages and emails XXXX XXXX She called me back at XXXX XXXX and told me I can have a payment plan and nothing else but there is no fee and court cost on my account I have to get that amount before making a payment plan available for me. 
She said she was looking on the computer for the information but in my account it was not there. 
She would call me back on Thursday or Friday because she was moving out of her place to get a new place and would not be at work. 
I never heard from her so I called her on Monday XXXX XXXX to found out the fee and court cost so I can do a payment plan Ms XXXX said to me the foreclosure department hire the same attorney to foreclosure on you by XXXX XXXX So you have to pay back everything you owe. 

6 Months passed with this mortgage company I pay {$1900.00} a month {$11000.00} made me deeper in collections while they committed Bank Fraud and fraudulent Mortgage tactics and Money Laundering. 

This mortgage company prolong my payment on Purpose. 
Why would this fraudulent behavior happen for 6 months and still put me in foreclosure. 

I need help now I have a XXXX XXXX
Consumer complaint received 2021-07-30
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 (AZ)

XX/XX/2021 FIRST CLASS MAIL Capital One Attn : Mr. XXXX XXXX, Chairman & CEO XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX RE : Capital One Credit Card Account for XXXX XXXX XXXX XXXX Account Ending XXXX Dear Mr. XXXX, I am writing to you to express my dissatisfaction with my Capital One Credit Card account. I have submitted 2 letters to your company in XXXX and my inquiries have went unanswered. Furthermore, a {$77.00} refund credit has been withheld from your company, because I decided to pay the account balance in full on XX/XX/2021 from my XXXX XXXX XXXX XXXX Checking account, in the amount of {$1100.00}, so your Capital One Customer Service Agent on XX/XX/2021, stated the payment was a large amount, and the payments from some customers are much smaller, therefore we suspected fraudulent activity., despite the fact the payment was posted 29 days ago. Therefore, my account has been placed in a restrictive status. Capital One is seeking access to my personal banking account, so the refund is being withheld. 

In the past my previous Capital One Credit Card account was covered under the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C Section 3901-4043 with no issues. The restrictive status limits my lending opportunities with Capital One Credit Card and has a negative impact on my credit report pursuant to the Federal Credit Reporting Act ( FCRA ). 

Please refund any credits by check on my account to my attention and ensure my account has not been placed in an unfavorable status. If you have any questions, please do not hesitate to contact me directly pertaining to this matter. A copy of this letter will be emailed to your attention at XXXX to further assist me with my inquiry. Thank you for your assistance concerning this matter. 

Sincerely, //SIGNED// XXXX XXXX XXXX XXXX cc : Consumer Financial Protection Bureau , XXXX . XXXX XXXX XXXX, Iowa XXXX.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Did not consent to the following lenders pulling my credit report : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX/XXXX  XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX  Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX C/O XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021
Consumer complaint received 2021-07-30
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

Lowes stated " see if you're pre-qualified with no impact to your credit score. '' I submitted my info and within about 3 seconds I got an alert that my credit score dropped 3 points. They're lying to people! See attached screenshots.
Consumer complaint received 2022-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

I have attached a full written statement of events with this submission. 

I was a victim of bank fraud on XX/XX/2021. I was contacted by text message about potential fraud and then received a call from the official Wells Fargo phone number. The impersonator on the phone already knew my name, phone number and that I was a Wells Fargo customer, and possibly more Information. I never once at any time gave this person any Information, including codes etc. They walked me through sending money to myself through the XXXX portion of Wells Fargo 's website. I used my own name and phone number which they were somehow able to divert the funds to a XXXXXXXX XXXX account ending in XXXX. When they hung up and I realized what had occurred, I IMMEDIATELY disputed the transaction and contacted Wells Fargo. After almost a week of talking to various people on the phone and bankers in person, and having to reopen and escalate the case, I have not once received any correspondence with Wells Fargo, though they have attempted to deny liability described to me through a banker. Again, I never once shared any information with the fraudster, and they already had my name and phone number which they used to divert the funds.
Consumer complaint received 2019-12-17
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. (GA)

I received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX   INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents
Consumer complaint received 2023-01-22
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. (KY)

I have had a freeze on my credit and am still getting notifications of my credit being pulled for different companies and offers. I have tried to get inaccurate information removed to no avail. I have tried to get all inaccurate data removed from the bureaus such as negative items and all previous debt that has been paid.
Consumer complaint received 2019-12-17
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. (GA)

I received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX   INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents
Consumer complaint received 2022-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One refuses to honor my request to close a checking account. 

On XX/XX/XXXX I mailed Capital One a signed letter via USPS First Class Mail requesting a closure of my account. A copy of the letter text is accompanying this complaint for reference. As of today, XX/XX/XXXX my account is still open.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (RI)

We fell behind, due to some costly issues with the house, cars, family expenses! We tried to modify but the company wanted a good faith payment of XXXX. We didnt have it. So a representative suggested I file bankruptcy. The mortgage company had been sold 4 times, each time I proved I was keeping up on the insurance, but they keep adding XXXX on top of all the missed payments. I have home owners Insurance that has never lapsed.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

I started receiving letters from XXXX XXXX XXXX in XXXX they have added more debt since this time they now have 4 cases they say I owe on I tried to pay on the first one in XXXX they refused to let me make automatic payments so I told them it was about time they got upto the times and allowed me to pay automatic every month. I didnt hear from them for many years then last year I began getting calls from them I explained the same way I did before they are not allowing me to make automatic payments. Since XXXX of this year I have received nonstop calls and mail from XXXX XXXX XXXX they had begun sending court papers I did dispute having 4 cards that I owed on they sent me 3 files but not the fourth. The information from original creditor does not show me that I was involved in any of these accounts. After I asked them not to contact me through mail or any other way explaining that I have tried to make automatic payments on 2 cases years ago and they refused to let me and now they are upto 4 cards. They sent me a paper for automatic payments in XX/XX/XXXX after saying for years they couldnt do this. I filled the paper out for all 4 accounts together stating they need to take the once a month payments out starting XX/XX/XXXX also sending this proof to the court. They then still continued to not take payments I even called XXXX XXXX XXXX office to ask why my payments still are not being take the lady told me sometimes it takes 30 days wait until XXXX. No payment taken in XXXX so I copied all these papers again and went to the post office and sent it so someone would have to sign when it was received. It has been signed for and I have not had a payment taken and still have not received anything by mail. I honestly have tried to pay on this only for them to add more accounts which I dont believe I even owe but to get ahead of this I tried to make payments and they refuse and now I have court papers for dates for all of these accounts I believe its not fair because I have tried to pay this for years. They have even told me in the past 2 years that I run my own business so they will take the money from my husbands paychecks.
Consumer complaint received 2019-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (AR)

Mid land funding failed to respond with adequate proof. I have requested verification of the amount stated i owe and I am only receiving documents that include a dollar amount only and not proof. This amount has been reaged and is not reporting accurately. The open date of this account is not correct. I am attaching supporting documentation
Consumer complaint received 2023-05-08
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX XXXX Balance {$40.00} ; XXXX XXXX XXXX XXXX Balance-
Consumer complaint received 2021-08-02
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2023-01-22
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. (PA)

When I went to apply for a personal loan at a bank it says I had too many inquiries within XXXX... too many transactions ... .etc. When I got all the copies of inquiries, my name ( both first and last ) was spelled improperly, addresses was incorrect, and I previously sent in a complaint and have yet to hear of the outcome, it's been over a year. Now I'm trying to correct and fix everything properly again.