davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XX/XX/XXXX, we purchased a XXXX XXXX XXXX. Many companies were sought out to finance the vehicle. Therefore many inquiries are on our credit report. Capital One Auto Finance was chosen at a whopping XXXX percent interest rate. We made our payments on time since then ( beginning XX/XX/XXXX to present XX/XX/XXXX ) We were told by the dealership that if 6 months of payment were made, our interest rate would lower significantly. Our credit score would be significantly higher without a payment of {$490.00} if Capital One would lower their rate, considering our excellent payment history. 
We have received other offers from various loan companies however they are wanting to start over the lease that does not improve the financial situation we are in. Having XXXX XXXXXXXX XXXX, my doctor advised to move from Colorado to a lower altitude to live longer. We can not do that under these circumstances. You may reach me reach me at ( XXXX ) XXXX via text with a possible resolution to this matter. Thank You.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (OH)

I called in regards to a debt. I received two letters and a filing from the court. I have never spoke to anyone from this company or received any other information from them. 
When speaking to XXXX he told me I had two debts with him and asked me what I could pay hm today to resolve the debt. I told him I had {$100.00} today and he said that wouldn't be enough to take care of the two debts. He could give me only {$120.00} for the one. I asked about the third debt I had. He told me it was in another department and he could transfer me after I paid these two. I told him I wanted to know all I owed to them He said he couldn't tell me that but unless I paid him today he wouldn't give me the other offer again. I said I needed the whole amount and that's when he started basically yelling at me that he needed my payment before he could do anything and talking over me and telling me there's nothing he can do for me if I didn't pay him now. I told him Idid n't appreciate the way he was talking to me and he continued to be rude and ignoring what I was telling him. All he was concerned about me paying him today. He didn't ever once offer me the payment options that are in the letter they sent me either. He only wanted me to pay the both today. I spoke to the legal dept and made arrangements with them on the larger amount but I had to get a manager on the phone to transfer me to them. He would only give me the number to call myself.
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

XXXX XXXX filed a collection against me through National Credit Systems. NCS claims they validated the debt but all the have a is what XXXX XXXX claims to be a bill in my name. 

The issue lies in that XXXX is claiming I had late payments on rent and other fees that dont make sense and should not be under my name. I had a roommate at the time and each rent was paid individually, I have receipts of each payment I made each month so there should be XXXX claims about late payments. In addition, I was supposed to receive my security deposit which XXXX XXXX never returned. 

Not to mention the XXXX tension of charging me a security and not my roommate when we both started our leases at the same time, we had the same income, she had either worse or just about the same level of credit score as me at the time. No co-signer and somehow I was charged a security deposit but she wasnt. 

I want XXXX  XXXX or National Credit Systems to prove where this debt is mine and where these claims are coming from or immediately delete this from my credit score. I have proof of each payment made each month as my lease was of $ XXXX each month and each month I paid in time or early. 

Not to mention I also have documentation of receipts from this company of both my roommate and I submitting maintenance requests for a dishwasher that was overflowing in water and wasnt working for the first 4-6 months of us moving in and they did nothing to fix it.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: All Debt Solutions Inc. dba: 1st Class Agency (MA)

1st Class Agency XXXX XXXX XXXX has been sending me collection notices in the amount of {$500.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Account Number : XXXX This is not mine.

3. Identity Theft 01 CITIBANK N A Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

JPMCB - CARD SERVICE Account type - Flexible Spending Credit Card Date opened- XXXX XXXX XXXX Address JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, DE XXXX Above Account created under JPMCB - CARD SERVICE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please.

According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2021-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TICE ASSOCIATES INC (NY)

XXXX I sent the collector a letter asking to simply validate the debt because seeing this mark on my credit report was quite surprising especially since I have received no prior letters or notifications of such. They sent me a mediocre letter listing a bunch of random charges that told me absolutely nothing about the debt. I didnt even recognize the physician they claimed performed the so called services and transactions. 
XXXX I asked them to send me anything I signed at the time of the services or anything at all bearing my signature which they ignored. 
XXXX asked for proof that they owned the debt, with no reply. Making matters worse, I have been going back and forth disputing for 5 months with them and the bureaus to find out they didnt even notate the item as disputed.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (PA)

I have a debt that Commonwealth financial contacted me for. We made arrangements to get this paid. I was contacted by them in XX/XX/2021. I started making my payment the day they contacted me. I have automatic payments that come out for this from my bank. They are still coming out. They have put this on my credit report. I have disputed it with all companies, XXXX XXXX XXXX They all have been removed but XXXX. All it did was update when I read my dispute results. But I read the dispute and they are still saying it's accurate but it is not. They are still saying that the balance is still {$420.00}. It is not because I have been making payments since XX/XX/2021. And they are still taking the automatic payments out. I want this removed from my credit report. I do not think it is fair that they keep updating my balance even though I am paying on it but they keep updating it as if I never made a payment and as if I'm not making payments now. I want this removed. I want to be contacted of also from sending this. my email is XXXX.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (PA)

This item has been on my report since 2011. They have inaccuracy of my balance along with late payments that should have removed based of the 7 years criteria. I have disputed this item on several occasions and no results.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

XXXX, XXXX, and payments ... 

I have sent payment after payment to the XXXX XXXX XXXX time after time for them to keep sending the payment back to me because they claim a payment was returned for insufficient funds ( which is not the case ). Nevertheless, they have sent each payment back to me for no reason and now I am getting nervous because they are making me behind I have the funds, but they will not apply it to my mortgage ... which is making me think they want me to lose my house. I have sent cashiers checks and money orders and they keep sending those back to me as well ... I have the proof. What is there for me to do??? Any help is greatly appreciated. 

One of the customer service reps stated they were not in the business of returning payments ... I said ... '' you could have fooled me! ''
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account owner Joint Account Original creditor XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Paid Agency FAIR COLLECTIONS & OUTSOURCING Creditor Classification Rental/Leasing Status date XX/XX/XXXX Original amount owed {$2900.00} Balance date XX/XX/XXXX Date of last payment XX/XX/XXXX Date of first delinquency Balance owed {$0.00} Comments Consumer Disputes This Account Information Account Paid For Less Than Full Balance The account is showing up on XXXX, XXXX, and XXXX as Negative but " Paid '' the account should be removed from my credit reports
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

We applied for refinancing in XX/XX/2021. We had no response in XXXX XXXX as to the status. XXXX we received a closing disclosure which was far from the original estimate. We cancelled the process on XX/XX/XXXX because it took way too long and we did not want to miss the low rate window. We confirmed the cancellation on XX/XX/XXXX. We found out that Loan Depot had contacted our insurance company and made themselves the mortgage holder. Our insurance bill which is escrowed was mailed to Loan Depot. They did not pay it and did not return it. No one knew the insurance was not paid until the insurance company sent us a notice of lapse. We had to pay the insurance out of pocket while it is still being escrowed with our mortgage company, XXXX XXXX XXXX. We had a fire during this timeframe, and we had a claim through the insurance company. They could not process the claim quickly because their records had Loan Depot as the mortgage holder, and Loan Depot never held the mortgage at any time. This caused a lot of problems. We are still getting closing documents sent to us from Loan Depot. We are still getting calls from Loan Depot asking if we want to refinance with them. The last closing disclosure was XX/XX/2021. We have already refinanced with another company and closed in less than 2 months. Can you help make Loan Depot take us off their mailing list?
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (PA)

Found this on my credit report!! 

I have not had a XXXX account since XXXX! Last I had a XXXX account it was settled completely after removing service! This is hurting my credit ... please help me mkae it go away Derogatory marks View all accounts COLLECTIONS Southwest Credit Sys Opened XX/XX/XXXX {$220.00} Original creditor : XXXX Overview You have 100 % left to pay on this collection. 

Balance {$220.00} Highest Balance {$220.00} Opened XXXX XXXX, XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXXXXXX XXXX XXXX SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AZ)

XX/XX/2023 Navy Federal {$5000.00} I reported someone getting into my account and sending an unauthorized ACH payment of XXXX to someone I dont know. They did an investigation and did not return my money and I did not receive a provisional credit and they said they would not return my stolen money. I changed accounts, username and password after that had happened. I did reach out to them multiple times as well telling me theres nothing they can do. 

I then opened up an appeal and still have not received a response back.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5000.00}, {$7500.00}, {$4900.00}, {$4500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My auto loan with XXXX was paid off on XX/XX/XXXX. 

They correctly reported the account closed and paid in full XX/XX/XXXX, but then reported it open again with a full balance of {$37.00} on XX/XX/XXXX. 

Transunion showed the account still open with a balance as of XX/XX/XXXX. 

I disputed it as inaccurate on XX/XX/XXXX and they apparently again changed the account to closed and paid off on my credit report. 

However, again several days later changed it back to open and denied the dispute saying it was accurate as-is. 

I opened another dispute today stating that the account was paid off in full the last week of XXXX, and is closed and paid in full as agreed. 

I then called XXXX a few minutes ago to see why they are apparently telling Transunion the account is open with a balance when it is paid off and closed. 

The XXXX representative told me that they only report to the bureaus at the end of each month. 

I asked why then did you report it as open with a balance at the end of XXXX when it was already paid off? 

As well, I asked why did they tell Transunion when I disputed the status of the account on XX/XX/XXXX that it was still open? 

Their answer was that at the end of XXXX they will report to the credit bureaus that the account is closed and paid off in full, which is a full two months AFTER it was paid, and AFTER they've already falsely changed the status from the accurate status of closed and paid, back to open with a $ XXXX balance! 

I said that does not answer my question as their report to the bureaus in XXXX was inaccurate and false since the account had been paid in full and closed in good standing, AND it had already been accurately reported as closed and paid in the first place! 

As well, I said that also does not answer my question as to why they falsely reported my account still open to Transunion in XXXX when I filed the dispute on XX/XX/XXXX about the status. 

XXXX has now knowingly reported false and inaccurate information to Transunion at least twice within a 60 day period. 

Upon contacting them today, they declined to correct any of the inaccurate information they have reported and are purposefully declining to comply with the FCRA. 

They are knowingly violating my right to dispute false and inaccurate information they report about my credit to the bureaus. 

This willful failure to follow the FCRA has now significantly and negatively affected my credit rating with the bureaus. 

As a small business owner that depends upon my credit rating to help attain needed capital to support my business, and fund payroll for my employees between client project payments, this willful violation of the FCRA is directly negatively affecting my livelihood and financial capabilities to successfully run my business.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA.

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate all 4 consumer credit transaction negatively impacting my credit report. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I sent letters on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 45 days later, I have still not received a response yet. I feel like Im being taken advantage of and like my disputes are being ignored. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.