davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-08
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: Experian Information Solutions Inc. (FL)

disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. XXXX  sold the account to a collection agency but still showing a past due and both times after disputing with XXXX  and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account
Consumer complaint received 2019-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (DE)

I signed up for XXXX XXXX service in XXXX. In XXXX, I moved out of my apartment and returned the equipment to XXXX. In XXXX, I see that there is a collection that has been reported to my credit file from EOS CCA. I disputed the collection. EOS CCA claims that this debt, {$240.00}, is from XXXX and is legitimate. I have terminated the service and returned the equipment and do not owe XXXX or EOS CCA.
Consumer complaint received 2019-12-08
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. (FL)

disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. XXXX  sold the account to a collection agency but still showing a past due and both times after disputing with XXXX  and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account
Consumer complaint received 2019-12-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: A+ Financial Services, Inc. (GA)

I went to cash a money order and the A+ Financial institution on XX/XX/XXXX they took the money without telling me I took out a loan in XXXX! I asked them why take my money with telling me first i owed on a loan i nearly forgot the say I got XXXX and the rest was for interest so the took XXXX from me without telling me it was never on my credit either!
Consumer complaint received 2023-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (MI)

I opened my account this year on wise.com. My account got deactivated on XXXX XXXX for no reason communicated, and my XXXX $ got stuck on it. I applied for refund after that but no money was refunded till date. It's been about 5 months and after asking them many times, money has not been refunded to me. Please remove this website as they are using corrupt practices to steal people 's money. They are thieves that playing with people 's emotions and teasing them by looting them, and ignoring theirs emails after the SCAM.
Consumer complaint received 2019-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. capitalone sold the account to a collection agency but still showing a past due and both times after disputing with capitalone and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about mid XX/XX/2018 Capital One Bank represented by XXXX XXXX/XXXX XXXX coerced me while shopping to apply and use their credit card for my purchases. They offered an immediate {$25.00} credit. After 3 persons pursued my business I relented and completed the application and was presented with a phyical credit card almost immediately. ( Most unusual ) After completing my purchase, the very first statement showed fraudulent charges, I contested. The bank after several calls credited the card. I requested to close the acct and no more cards. Capital One ignored my request sent another card. Again the very next month showed new additional fraudulent charges. Again after numerous phone calls, exhausting phone wait times they credited and closed the second account. 
Capital one continued to send statements requesting payment. I wrote to them and stated due to their incompetence and uncaring attitude toward me, as the customer, I would not respond to their request for payment, and infact sent Capital One a legitimate invoice for my time and effort. Their response was, " we respectfully decline to pay your invoice '' to which I responded, " if that be your stance then I respectfully decline to pay your invoice '' Capital One has finally closed the account and reported me to the credit Bureaus as if it were only my issue. My opinion is that Capital One is as much to blame and if they can create an issue for me with the credit reporting bureaus, then how do I do the same for their lack of payment for my invoice?
Consumer complaint received 2019-12-07
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. (SC)

I requested for items to Be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Nationstar Mortgage LLC XX/XX/XXXX Nationstar attempt to collect a mortgage that Nationstar is no longer the servicer. 

I received a notice of transfer of servicing transferring my mortgage from Nationstar to XXXX   XXXX. 
In addition to the transfer of servicing nationstar : recorded An assignment of my mortgage from Nationstar to XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX was recorded on XXXX County on XX/XX/XXXX. 

a letter dated XX/XX/XXXX was file as a response to my complaint with CFPB by XXXX XXXX   servicing asserts that XXXX XXXX DBA XXXX XXXX XXXX is currently the owner of the account number ending in XXXX. XXXX began servicing the loan on the behalf of the owner referenced above on or about XX/XX/XXXX. 

On XX/XX/XXXX I received a copy of a document from XXXX XXXX XXXX requesting the court to schedule a foreclosure sale. The court schedule a foreclosure sale of my property for the XX/XX/XXXX. As asserted in its notice of transfer Nationstar is not the servicer of my mortgage. 
By Nationstar own admission on its recorded assignment of mortgage dated XX/XX/XXXX Nationstar convey, grant, assigns and transferand set over the mortgage and all interest if any. 
Nationstar behavior is unethical as Nationstar is aware that is no longer the servicer of my loan. 

A sale of my property is schedule for XX/XX/XXXX. Please help me cancel the sale so I can pursue my rights with the proper party. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (OK)

I wrote previously about this issue ( last night ). The company XXXX ( Conduent ) is very, very difficult to deal with, there is NO way to send email to try to get help for any problem you are having. It says " Contact US '' but the page is blank and there are no links in order to contact them. It is very obvious the company wants you to spend 50 cents numerous times in order to contact them to TRY to straighten out any problem you may be having. AGAIN. there is no email link, the telephone service does not give an option to speak to a representative to help you. when you finally do get a representative, they tell you thay can't help you with the problem for one reason or another. This is Government Benefits. Do I need to contact the Government?? This is absolutely ridiculous that this company is holding people hostage to their mean and hateful practices and waaaaaaaaay overcharging them without being able to get any assistance ... ... .SOMETHING HAS GOT TO BE DONE ABOUT THIS SITUATION.
Consumer complaint received 2019-12-07
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. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " XXXX XXXX XXXX XXXX XXXX XXXX ''!
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendKey Technologies, Inc. (CA)

Due to challenging financial circumstances, I filed for Chapter XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to chapter XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither chapter XXXX nor chapter XXXX. At the moment, I am simply continuing to make on-time payments.
Consumer complaint received 2020-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I have been on income driven repayment since the late XXXX. I was out of work in XXXX when I had a XXXX and just went back to work in XX/XX/XXXX. Right before XXXX of XXXX, a representative of Navient called about recertifying my IDR plan. At that time she offered to put my loan into deferment as I was trying not to lose my home from the time I was off work. 
I questioned when my loan will be forgiven as I had been paying for 20 years at that time. She told me that it would be forgiven in XXXX ( I can't recall the month ). I straight up asked if the deferment would in any way change that forgiveness and she told me absolutely not! 
Now the deferment has ended and I spoke with a Navient representative to begin repaying and they tell me that I have 20 years to go as I have only been on IDR for 14 months with them. 
My loan was serviced with Salllie Mae prior to Navient. I have never been on anything BUT an income driven plan since I began repayment in XXXX. 
I'm so done with this. There seems to be no recourse and the agents are so ignorant and rude.
Consumer complaint received 2024-03-16
Product: Credit reporting 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. (MD)

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (GA)

This company continues to report an account on my credit report which can not prove this debt is mines. I told them i am a fraud victim. They continue to assist that i owe this debt from CAVALRY PORTFOLIO SERVIC. I reported an extended fraud alert on my credit on XX/XX/2014.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (NJ)

I recieved a letter in the mail that I'm owed CCS {$650.00}. Now I sent in a dispute letter to which I've gotten back no response. I've asked for validation to prove this account is mine. No copy Assignment clause, Notarized letter of debt purchase, Signed contract from original creditor and also proof to collect in my state of NJ. Now this is unacceptable. I need them to send me everything I asked for and not a copy of a bill that is not proof. As per the fair credit reporting act.
Consumer complaint received 2020-01-14
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. (TX)

XXXX XXXX responded to my complaint that they have nothing to do with an old payday account. The as of XX/XX/XXXX, have reported the account on my credit report. The recently replied to my complaint stating they would send documents for identity theft. They have never sent me anything in writing. This is the third time they have reported a debt they had previously removed from my credit report. Per the fair debt collection act, they can not report a debt once it has been deleted. The original complaint was XX/XX/XXXX and that was the last time they deleted it from my credit report. Upon further investigation, i found an old voicemail threatening to come to my work and be arrested. I kept the voicemail as I knew it was violating so many laws. This company is causing a lot of distress for something that was never mine to begin with. I want to make sure they stop this harassment. Please ensure they delete any information off my credit report permanently. If it continues, i will have no choice to to open a full investigation with the attorney general into this company. I do not owe them any thing and will never pay this debt that is not mine.
Consumer complaint received 2020-01-14
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: DISCOVER BANK (IN)

We had many fraudulent charges on our discover card. We reported them and then received a letter saying they didnt suspect fraud. Because some of the charges were at places we shopped. I cant believe we are forced to pay for purchases we did not make. I filed a police report but they said to contact the credit card company which we did We are elderly and really didnt notice some of the fraud charges until months later. When we started looking we went back 5 months and found fraud. None of these charges were recognized by discover as fraud. What can we do
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Consumer complaint received 2019-12-08
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. (TX)

Contacted XXXX XXXX XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Collection Bureau, Inc. (PA)

United Collections Bureau Inc. ( UCB ) purchased a debt obligation, by doing so paid off the obligation of debt for Your Change Your Choice Const. XXXX ( XXXX XXXX ) account no. XXXX XXXX XXXX XXXX The original creditor The XXXX XXXX XXXX Card ( XXXX XXXX XXXX XXXX ) not only permitted the purchase but also charged off the debt through the IRS. UCB Through deceptive and misleading attempts to establish a contract with me again through deceptive and misleading actions. All attempts were responded to with a Register Mailing ( XXXX XXXXXXXX XXXX XXXX XXXX ) Refuse for Cause No Consent No Contract Cease and Desist, a Private Registered Formal Notice of Claim Mailing Record, request for wet ink signature of XXXX, UCB 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 UCB 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-16
Product: Credit reporting 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. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.