davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The last four of my social security number is XXXX. Please investigate the following informationXXXX XXXX XXXX  # XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The term duration is incorrect. Correct it or delete this account. XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high credit amount is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. XXXX XXXX # XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The public record # XXXX. I contacted the bankruptcy court concerning this account and they told me they have no record of this under my personal information or social security number. They also told me they do not report anything to credit bureaus for no bankruptcies at all. I have also contacted the data furnisher XXXX XXXX you have listed on my report and they also conveyes to me they do not have any information under my complete name, address, date of birth and full social security. Please remove this Public Record of my report for false reporting. 

Thank you.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my extreme frustration and ANGER about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. I am a victim of identity theft and I have been working diligently to resolve the issues that have arisen as a result. I am very disappointed that your bureau has not taken the necessary steps to assist me in this matter. I have already contacted the other credit bureaus and they have removed the accounts that were fraudulently opened in my name. I can not understand why your bureau is not complying with the law and removing these accounts as well. The questionable accounts are : 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 XXXXXXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am extremely ANNOYED that I have to go through this experience and I demand that it be resolved immediately. I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2020-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Stark Collection Agency, Inc. (WI)

I applied for a credit line increase on my XXXX XXXX XXXX credit card. 
The next thing I received was a notice from the collection agency that I owed XXXX on an account closed XX/XX/2019 and that account had a XXXX dollar balance per credit union requirements. I closed my checking account over 7 yrs ago and that was paid also I replied back to the notice that they need to validate this debt but instead of validating they reported it to the credit bureaus. See attached statement from XXXX
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my balance with Capital One on XX/XX/2020 of {$660.00} and they say it will 7 days to credit my balance even though they received the funds on XX/XX/2020. I could understand 3 days but not 7 days? They say they can hold whatever amount for 7 days after it clears.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (PA)

ON or about XX/XX/2020 I worked with PNC bank about an attempted charge of $ XXXX to a company " XXXX '' as well as XXXX $ XXXX payments on my debit card to food take out and delivery companies, one was XXXX. I was told about a credit by PNC 's card protections services and it would be sent to the fraud division. Wait a week and call ( can't find the number ) for results of what they found ... I waited a week and called THEY HAVE STONEWALLED ME. I can get no information to go to the police and pursue this, which I think is local. I will try to pursue this with the police but many days have gone by and I was misled about pursuing this. I have requested a complaint against PNC but get no evidence this will be done.
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Happy Saturday everyone at XXXX ; I noticed an account that was removed early this year which original creditor was Cap1, but i just refresh my credit and noticed that your company re-inserted the account without proper notification on this alledged debt. As i said before, i have no recollection or relationship with this company listed and you've failed to provide me detailed request or validation. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. 

In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. 

In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Happy Saturday everyone at Portfolio ; I noticed an account that was removed early this year which original creditor was XXXX, but i just refresh my credit and noticed that your company re-inserted the account without proper notification on this alledged debt. As i said before, i have no recollection or relationship with this company listed and you've failed to provide me detailed request or validation. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies.

In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. 

In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Twice I have deposited a paper check with Bank of America and the bank has placed a 10-day ( 7 business day hold ) on the check. The first check was a one-off deposit, real estate proceeds. This last check was my husband 's payroll check. He has been depositing checks of comparable amounts twice a month ( excepting a 60-day window during the initial Co-Vid lockdown ) for XXXXXXXX  2.5 years.

When I called to learn why they are placing hold on his check, I was told it was because it was a paper check and would take that long to clear. The check is drawn on a competitor but is a local business. 

This hold is tantamount to my husband not a having a paycheck because the hold won't be released until 4 days before his next payroll. 

This is a small company and does not offer direct deposit because the business is prone to high turnover. 

The hold is disproportionate to the risk, especially since there is a clear history of the checks being deposited and clearing. This practice is going to cause undo hardship downstream. 

We are currently in a position to deal with this but i can not imagine if we were living paycheck to paycheck.
Consumer complaint received 2020-10-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Consumer complaint received 2020-10-03
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. (CA)

I been disputing 2 medical collections showing up on my credit report, i had success getting collections removed by XXXX no problems, but experian and XXXX are not helping me at all. This is affecting me from getting a good rate with my bank. my friend suggested this website before we try to sue experian and XXXX in federal court. 

im requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete of my credit reports. or i will sue in federal court.
Consumer complaint received 2020-09-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have asked 3 credit bureaus and creditors reporting negative accounts for all original signed documents associated with the information of all accounts that all 3 are reporting.I haven't disputed the accounts as not mine. Ive corresponded with them trying to receive copies of my accounts reporting negatively so that I can have all the information I need. All 3 credit bureaus and the creditors have not sent me the documents I have requested since XXXX of 2020.
Consumer complaint received 2020-10-03
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. (CA)

I been disputing 2 medical collections showing up on my credit report, i had success getting collections removed by XXXX no problems, but XXXX and transunion are not helping me at all. This is affecting me from getting a good rate with my bank. my friend suggested this website before we try to sue XXXX and transunion in federal court. 

im requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete of my credit reports. or i will sue in federal court.
Consumer complaint received 2020-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

My hazard insurance was paid upfront at closing for 1 year and 3 months. After 1 year XXXX/Dovenmuelle contact me with several threatening letters stating I need to buy. I contacted insurance company and they said XXXX refused to pay and only called asking for EOI. XX/XX/XXXX was end of policy. It even states it will renew automatic unless I contacted them. I had insurance company extend coverage on XX/XX/XXXX so they could send bill. 14 days later they cancelled policy. XX/XX/XXXX I reached out to XXXX and Dovenmuelle explained they were not abiding by closing agreement and mortgage agreement. XX/XX/XXXX they purchased a policy 3x more expensive, and doesn't cover my family or belongings. They still, even with me sending my mortgage agreement, will not return my money from escrow and threatened me with foreclosure while I'm under forebearance and fined me for late payment under forebearance Please help me
Consumer complaint received 2024-03-13
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2020-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (UT)

In XXXX of 2019 I decided it was time to start trying to pay my loans. I contacted Sallie Mae at that time and asked how I would make arrangements for a payment I could afford because I could not afford what I was told my estimated payment would be in the Exit Counseling for my school. 
When I called the first time they told me they could not make any changes until my account was past due ( which would not be until late XXXX ) and at that time my account would be sent to a team that would call me within 3 days of my account going past due to find out what was going on and why I didnt make the payment. They said pay what I can even if it is only {$50.00} the team that reaches out would take care of the rest and be able to go over options. 
After a day I felt like that couldnt be right. I researched a bit and found other consumers that had been told this online and they told me to call back and ask to talk to their solutions team ( thats not the exact name of the team I never spoke to the team as they dont seem to exist ). I called again and was told the same thing. 
Again I felt like this was not correct after a few days and called back 3 more times to try and get more information. I was panicking about what the potential payment would be. The due date came, I paid {$50.00} and no one called. 
I waited about a week before calling and told the women what I had been told ( 5 times at this point ) and she almost laughed and said no thats not how that works. I was transferred to someone that also went on to explain that no they do not have any kind of team that does that and its my fault that nothing was done before my payment was due and I needed to be an adult and take care of my own loans. 
I asked for help and again was told they would get back to me, never happened. I didnt get a call back until an account manager was assigned to my account. Since then I have been belittled, harassed and my explanations of why Im not able to afford the payment requested have been ignored and no options have been offered at all. 

They are now harassing myself, family members, and others that do not know me at all.
Consumer complaint received 2023-07-13
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. (FL)

Student loan accounts were frozen on XX/XX/XXXX, yet Equifax has been reporting my student loan accounts every month since XX/XX/XXXX of XXXX. I have 234 missed payments when I'm technically only supposed to have missed payments from XX/XX/XXXX, to XX/XX/XXXX, for each of my 6 loans which would be roughly 66 missed payments. It is illegal that all of those missed payments have been reported to my credit during a time when student loans were supposed to be frozen and not to restart payments until XX/XX/XXXX. This has impacted my credit and also prevented me from being able to find somewhere to stay, apply for loans, or do anything to help myself because they were inaccurately reporting information that was supposed to be on hold for the entire ANYONE WHO HAD STUDENT LOANS IN AMERICA! I have contacted attorney XXXX XXXX XXXX, XXXX. in XXXX, Florida to seek legal reparations for losses that I took due to not being able to get loans or additional help because of inaccurate information reported to my credit report.
Consumer complaint received 2020-09-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I have had multiple occasions where LakeView Loan servicing has lied to me and my colleagues in regard to providing us with the necessary documents to close on transactions. We've had the borrower call and authorize us on the account time and time again. They've provided me with false promises even though i follow their instructions. I was given a fake phone number to call and file a complaint. The managers refused to speak with me even though i waited on hold for over an hour. 

They will keep stating they do not have authorization on file even though I've sent it over multiple times weekly with confirmations back from them. I know they've received my requests each time. They are keeping us from fulfilling our end of the deal on transactions and it is hurting our business.
Consumer complaint received 2020-01-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP (CA)

I have been trying to contact Selene Finance via phone and email regarding my short sale of my property in XXXX Alabama. The property was short sale in XX/XX/2019 but I am still getting payment statement every month and they are still reporting my credit to the credit bureau. 
The short Sale note said that my account will be paid in full once they received the fund which they already did. 
Every time I call Selene Finance they say the person who is handling my file is currently unavailable and every time I have called it says the same thing and it goes to his or her voicemail. I left them several voicemail but they never return my call and I do not know what is going on with the short sale settlement. 
This has been going on for over few months now and I have not got any response from them. 
I have no other way to contact them.
Consumer complaint received 2023-07-01
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. (CA)

I'm disputing the XXXX account on all credit bureaus for fraud I got a score up credit builder loan I signed up and got a denial letter saying I didnt get approved and they told me it was XXXX and now there charging me interest on my own money and it shows my contract as closed then they opened it back up and on my XXXX card and on my profile shows XXXX XXXX XXXX XXXX the contract invalid and should not be on my credit and it says an addendum was added without my consent An addendum is used to clarify and add things that were not part of the original contract or agreement means this is fraud and they been taking my money on the low that's fraud XXXX I also made payments of XXXX since XXXX and the balance is incorrect